Teamsters

St. Louis, MO · Charter 62186

Q4 1998

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 1998, the quarter ended December 31, 1998, 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 62186

Q4 1998

$7.5MAssets

$5.1MLoans

$7.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.46%-244 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.40%	3.57%	2.68%	3.90%	3.71%	4.25%	2.70%	1.46%	-244 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	n/a	0.73%	6.44%	14.12%	10.21%	9.36%	4.67%	-177 bps
Loan Growth (YoY)	n/a	n/a	-4.42%	1.93%	6.96%	2.24%	-0.32%	-20.01%	-2,194 bps
Share Growth (YoY)	n/a	n/a	0.63%	5.79%	14.41%	10.55%	9.29%	7.54%	+175 bps
Asset Quality
Delinquent Loans / Loans	8.31%	6.56%	3.55%	5.11%	4.95%	7.54%	3.35%	4.16%	-96 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	2.61%	3.36%	3.89%	3.89%	3.41%	4.40%	2.32%	5.17%	+128 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	93.56%	96.79%	85.25%	96.80%	87.47%	89.51%	77.75%	72.00%	-2,480 bps
Liquid Assets / Assets	12.25%	9.74%	14.55%	7.28%	9.85%	9.27%	15.21%	29.58%	+2,230 bps