Arkansas National Guard Employees

Sherwood, AR · Charter 21087

Q2 1996

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: Q2 1996, the quarter ended June 30, 1996, 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.

Sherwood, AR · Charter 21087

Q2 1996

$1.2MAssets

$1.1MLoans

$1.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.19%+71 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	3.48%	3.58%	4.09%	4.54%	4.19%	+71 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-1.69%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	16.72%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-4.20%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.02%	0.58%	0.70%	0.24%	0.10%	-92 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.79%	2.12%	2.39%	1.32%	0.54%	-226 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	89.74%	99.39%	93.93%	100.30%	109.34%	+1,960 bps
Liquid Assets / Assets	12.62%	8.55%	14.45%	1.24%	2.60%	-1,002 bps