Carondelet

Tucson, AZ · Charter 64550

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.

Tucson, AZ · Charter 64550

Q2 1996

$2.7MAssets

$1.8MLoans

$2.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.71%-73 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	3.44%	3.26%	3.23%	3.48%	2.71%	-73 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	11.50%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	3.56%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	11.79%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.58%	0.51%	0.85%	0.82%	1.30%	+72 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.86%	1.70%	1.31%	1.28%	1.48%	-38 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	77.38%	80.92%	90.33%	81.90%	71.68%	-570 bps
Liquid Assets / Assets	12.01%	9.28%	9.56%	11.69%	0.00%	-1,201 bps