St. Bernard's

Jonesboro, AR · Charter 20704

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Jonesboro, AR · Charter 20704

Q4 1999

$970KAssets

$252KLoans

$837KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.20%-282 bps YoY

Net Interest Margin (YTD, annualized)

3.84%

Efficiency Ratio (YTD, annualized)

87.72%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.02%	2.15%	2.41%	1.98%	0.20%	-282 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.84%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	87.72%	n/a	n/a
Growth
Asset Growth (YoY)	-1.07%	0.36%	8.98%	9.47%	7.00%	+806 bps
Loan Growth (YoY)	-36.06%	-41.86%	-32.20%	-30.12%	-8.35%	+2,772 bps
Share Growth (YoY)	-3.10%	0.00%	10.14%	9.99%	8.33%	+1,143 bps
Asset Quality
Delinquent Loans / Loans	1.12%	0.86%	1.46%	2.81%	5.06%	+394 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.75%	3.23%	2.69%	3.23%	2.54%	+79 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	35.66%	27.08%	33.58%	22.38%	30.17%	-549 bps
Liquid Assets / Assets	46.86%	63.69%	52.71%	59.55%	47.87%	+101 bps