Rac

St. Louis, MO · Charter 63496

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.

St. Louis, MO · Charter 63496

Q2 1999

$7.2MAssets

$6.0MLoans

$6.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.39%-158 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.98%	3.48%	3.15%	2.96%	2.36%	1.52%	-0.18%	1.39%	-158 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	-1.36%	-3.64%	-3.46%	3.15%	9.16%	13.06%	6.43%	+989 bps
Loan Growth (YoY)	n/a	0.04%	2.18%	18.34%	23.43%	43.07%	25.06%	28.41%	+1,007 bps
Share Growth (YoY)	n/a	-2.64%	-5.85%	-5.28%	2.97%	11.11%	17.84%	12.32%	+1,760 bps
Asset Quality
Delinquent Loans / Loans	3.98%	3.36%	2.67%	1.86%	2.54%	3.09%	2.65%	2.18%	+32 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	3.03%	2.49%	2.33%	1.97%	1.90%	1.81%	2.99%	2.72%	+75 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	70.76%	62.37%	72.53%	78.77%	84.82%	80.31%	76.97%	90.05%	+1,128 bps
Liquid Assets / Assets	34.63%	27.33%	24.55%	24.50%	18.27%	19.72%	23.05%	7.49%	-1,702 bps