General Chemical Employees

Baker, LA · Charter 62570

Q2 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: Q2 1996, the quarter ended June 30, 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.

Baker, LA · Charter 62570

Q2 1996

$788KAssets

$477KLoans

$733KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.45%+36 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	3.09%	3.51%	4.66%	2.18%	3.45%	+36 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	n/a	43.33%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	8.47%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	53.04%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	2.05%	0.00%	7.01%	4.72%	+472 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.44%	0.46%	0.42%	3.22%	2.52%	+208 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	91.82%	91.21%	103.07%	48.62%	65.08%	-2,674 bps
Liquid Assets / Assets	9.17%	9.48%	0.00%	0.00%	0.00%	-917 bps