Erath Unit Employees

Erath, LA · Charter 61789

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.

Erath, LA · Charter 61789

Q2 1999

$268KAssets

$164KLoans

$192KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-0.96%-497 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	4.01%	3.42%	3.20%	3.36%	-0.96%	-497 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)	12.25%	20.91%	-7.27%	-12.33%	-31.47%	-4,372 bps
Loan Growth (YoY)	-1.44%	-14.37%	-1.33%	-8.83%	-32.35%	-3,091 bps
Share Growth (YoY)	11.97%	27.26%	-8.57%	-14.45%	-37.10%	-4,907 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.54%	0.67%	0.58%	0.59%	0.79%	+26 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	79.49%	58.81%	83.33%	97.93%	85.49%	+600 bps
Liquid Assets / Assets	17.90%	31.51%	28.76%	16.28%	0.00%	-1,790 bps