L. B. Employees

Pagedale, MO · Charter 61238

Q4 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: Q4 1996, the quarter ended December 31, 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.

Pagedale, MO · Charter 61238

Q4 1996

$2.3MAssets

$786KLoans

$1.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.38%-23 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	2.60%	2.86%	3.11%	2.24%	2.38%	-23 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	-20.05%	-19.35%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	-19.54%	-41.57%	n/a
Share Growth (YoY)	n/a	n/a	n/a	-23.41%	-22.32%	n/a
Asset Quality
Delinquent Loans / Loans	4.57%	3.98%	5.54%	4.96%	5.05%	+48 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.18%	3.85%	3.35%	2.99%	5.14%	+195 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	55.46%	55.98%	60.61%	46.80%	41.72%	-1,375 bps
Liquid Assets / Assets	28.40%	33.58%	40.44%	50.82%	54.82%	+2,643 bps