St. Louis Federal Center

St. Louis, MO · Charter 60654

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.

St. Louis, MO · Charter 60654

Q2 1999

$11.6MAssets

$4.6MLoans

$10.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.22%-254 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.37%	4.01%	4.21%	3.76%	4.03%	3.33%	2.97%	1.22%	-254 bps
Return on Equity	n/a	n/a	n/a	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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	-0.31%	2.16%	6.97%	-1.47%	-10.61%	-8.11%	-16.83%	-2,380 bps
Loan Growth (YoY)	n/a	21.75%	-0.29%	-9.27%	-21.78%	-24.86%	-19.92%	-24.38%	-1,512 bps
Share Growth (YoY)	n/a	-2.97%	-1.22%	4.76%	-3.92%	-13.79%	-10.32%	-18.27%	-2,303 bps
Asset Quality
Delinquent Loans / Loans	1.00%	1.19%	1.69%	1.61%	3.02%	2.47%	3.01%	1.74%	+14 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.73%	1.38%	1.45%	1.38%	1.48%	1.39%	1.48%	1.07%	-31 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	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	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	60.99%	55.24%	54.14%	48.73%	49.66%	48.15%	48.34%	45.09%	-364 bps
Liquid Assets / Assets	14.17%	5.02%	15.81%	27.92%	26.96%	31.03%	36.90%	54.99%	+2,707 bps