Lourdes Employees

Paducah, KY · Charter 62546

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.

Paducah, KY · Charter 62546

Q2 1999

$1.1MAssets

$373KLoans

$890KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.23%-48 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	2.71%	3.50%	3.67%	3.96%	2.23%	-48 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)	1.69%	2.86%	3.67%	10.16%	-7.04%	-873 bps
Loan Growth (YoY)	46.62%	-18.60%	-16.91%	-21.03%	-32.75%	-7,937 bps
Share Growth (YoY)	-0.86%	-0.80%	1.15%	6.49%	-10.92%	-1,006 bps
Asset Quality
Delinquent Loans / Loans	3.12%	1.19%	2.04%	1.72%	11.73%	+861 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.05%	1.56%	1.45%	2.05%	2.59%	+54 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	55.45%	55.51%	52.47%	53.96%	41.86%	-1,359 bps
Liquid Assets / Assets	25.34%	29.32%	26.68%	30.18%	30.14%	+480 bps