North Baton Rouge

Baton Rouge, LA · Charter 23384

Q2 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: Q2 1999, the quarter ended June 30, 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.

Baton Rouge, LA · Charter 23384

Q2 1999

$22KAssets

$3KLoans

$18KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-67.06%-6,757 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 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	0.50%	2.47%	-10.09%	2.72%	-67.06%	-6,757 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)	-4.47%	13.55%	7.18%	-18.19%	18.39%	+2,286 bps
Loan Growth (YoY)	7.65%	96.25%	172.67%	-5.15%	26.64%	+1,899 bps
Share Growth (YoY)	-7.58%	11.40%	14.34%	-19.23%	18.26%	+2,584 bps
Asset Quality
Delinquent Loans / Loans	35.98%	11.91%	5.14%	10.90%	54.76%	+1,878 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	55.42%	21.15%	15.42%	32.01%	45.42%	-1,000 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	13.91%	30.61%	41.38%	21.86%	14.90%	+99 bps
Liquid Assets / Assets	42.90%	9.21%	9.86%	60.59%	53.27%	+1,037 bps