Lutheran Brotherhood Employees

Minneapolis, MN · Charter 64793

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.

Minneapolis, MN · Charter 64793

Q2 1999

$6KAssets

$0KLoans

$0KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.00%-597 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	5.67%	5.64%	5.89%	5.97%	6.22%	5.94%	5.91%	0.00%	-597 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	16.52%	17.30%	24.32%	26.84%	23.13%	26.84%	-99.92%	-12,424 bps
Loan Growth (YoY)	n/a	58.55%	54.30%	33.93%	21.96%	23.13%	8.10%	-100.00%	-13,393 bps
Share Growth (YoY)	n/a	16.78%	17.05%	25.03%	26.72%	22.32%	26.22%	-100.00%	-12,503 bps
Asset Quality
Delinquent Loans / Loans	0.47%	0.55%	0.34%	1.01%	0.98%	0.52%	0.41%	n/a	n/a
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	0.19%	0.12%	0.16%	0.12%	0.24%	0.19%	0.05%	n/a	n/a
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	64.15%	56.58%	62.65%	59.80%	61.75%	56.95%	53.65%	n/a	n/a
Liquid Assets / Assets	33.82%	39.77%	33.52%	38.52%	30.90%	47.16%	41.85%	0.00%	-3,852 bps