Seven Holy Founders

St. Louis, MO · Charter 64143

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.

St. Louis, MO · Charter 64143

Q2 2000

$1.8MAssets

$1.6MLoans

$1.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.32%-536 bps YoY

Net Interest Margin (YTD, annualized)

5.69%

Efficiency Ratio (YTD, annualized)

123.57%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	5.68%	4.73%	2.97%	-2.51%	0.32%	-536 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	5.67%	5.69%	n/a
Efficiency Ratio	n/a	n/a	n/a	107.73%	123.57%	n/a
Growth
Asset Growth (YoY)	-2.22%	-2.74%	-5.26%	-4.55%	-6.54%	-432 bps
Loan Growth (YoY)	49.48%	24.26%	18.47%	-4.52%	4.99%	-4,448 bps
Share Growth (YoY)	-3.66%	-4.16%	-7.47%	-4.04%	-7.87%	-421 bps
Asset Quality
Delinquent Loans / Loans	0.92%	13.06%	1.56%	4.86%	1.70%	+78 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.66%	0.68%	0.49%	3.19%	0.96%	+30 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	87.92%	90.75%	85.25%	81.00%	100.19%	+1,228 bps
Liquid Assets / Assets	9.31%	11.80%	16.74%	19.26%	4.43%	-488 bps