Baptist Medical Center

Kansas City, MO · Charter 62296

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.

Kansas City, MO · Charter 62296

Q4 1996

$5.1MAssets

$3.9MLoans

$4.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.71%+34 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	2.37%	3.08%	2.71%	3.29%	2.71%	+34 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	3.52%	9.62%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	77.45%	69.14%	n/a
Share Growth (YoY)	n/a	n/a	n/a	1.49%	7.41%	n/a
Asset Quality
Delinquent Loans / Loans	2.79%	3.71%	1.73%	1.85%	2.13%	-65 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.59%	0.51%	0.56%	0.84%	0.68%	+9 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	54.66%	67.69%	82.52%	89.37%	86.07%	+3,141 bps
Liquid Assets / Assets	38.02%	34.20%	23.96%	14.37%	19.06%	-1,896 bps