St. Alphonsus

New Orleans, LA · Charter 63071

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

New Orleans, LA · Charter 63071

Q2 2000

$63KAssets

$9KLoans

$46KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.87%-364 bps YoY

Net Interest Margin (YTD, annualized)

-0.14%

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.98%	2.80%	2.50%	2.77%	0.34%	2.62%	1.12%	-0.87%	-364 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	5.77%	-0.14%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	81.04%	n/a	n/a	n/a
Growth
Asset Growth (YoY)	-43.27%	-40.06%	-24.72%	-35.22%	-14.16%	3.34%	-3.15%	78.58%	+11,380 bps
Loan Growth (YoY)	-3.87%	8.45%	-19.53%	-29.25%	-26.22%	-30.62%	-6.24%	-59.69%	-3,045 bps
Share Growth (YoY)	-51.99%	-50.99%	-34.16%	-45.85%	-18.47%	6.37%	-4.11%	93.56%	+13,941 bps
Asset Quality
Delinquent Loans / Loans	3.53%	9.58%	26.81%	5.13%	0.00%	0.00%	0.00%	26.39%	+2,126 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	18.49%	16.17%	21.85%	9.57%	9.16%	8.52%	8.52%	26.06%	+1,650 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	101.66%	171.30%	114.26%	93.20%	92.00%	111.73%	111.73%	19.41%	-7,379 bps
Liquid Assets / Assets	17.78%	2.56%	6.60%	33.78%	0.00%	29.96%	2.16%	85.00%	+5,122 bps