Our Lady of Sorrows Parish

St. Louis, MO · Charter 64520

Q2 1998

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 1998, the quarter ended June 30, 1998, 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 64520

Q2 1998

$526KAssets

$239KLoans

$435KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.97%-59 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	1.61%	1.67%	1.86%	1.56%	1.77%	1.23%	1.28%	0.97%	-59 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	n/a	n/a	-6.88%	-13.92%	-12.85%	-9.66%	-20.27%	-1,340 bps
Loan Growth (YoY)	n/a	n/a	n/a	17.91%	10.40%	9.08%	-21.99%	-44.47%	-6,239 bps
Share Growth (YoY)	n/a	n/a	n/a	-9.56%	-17.27%	-15.69%	-11.87%	-19.40%	-984 bps
Asset Quality
Delinquent Loans / Loans	0.42%	0.11%	0.00%	0.00%	0.00%	0.00%	1.44%	1.88%	+188 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	0.95%	0.93%	0.57%	0.54%	0.62%	0.59%	0.70%	0.92%	+39 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	58.97%	58.97%	76.48%	79.73%	78.69%	76.30%	67.70%	54.92%	-2,481 bps
Liquid Assets / Assets	48.77%	48.94%	34.53%	31.89%	31.70%	33.97%	43.33%	49.72%	+1,784 bps