The Parish

St. Louis, MO · Charter 65545

Q4 1997

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: Q4 1997, the quarter ended December 31, 1997, 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 65545

Q4 1997

$117KAssets

$33KLoans

$93KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.42%-583 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	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.76%	4.25%	5.04%	7.25%	7.76%	2.36%	3.00%	1.42%	-583 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	n/a	-15.33%	-14.13%	-7.19%	-19.75%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-14.65%	-3.89%	-23.59%	-3.06%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-19.23%	-20.77%	-9.31%	-24.62%	n/a
Asset Quality
Delinquent Loans / Loans	16.51%	8.56%	12.38%	5.54%	1.35%	2.70%	11.32%	21.00%	+1,545 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	18.25%	17.58%	16.36%	8.93%	8.29%	7.09%	8.29%	9.52%	+59 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	34.09%	34.63%	42.65%	27.23%	36.02%	42.01%	35.94%	35.02%	+779 bps
Liquid Assets / Assets	74.85%	74.28%	68.90%	78.00%	71.87%	67.68%	71.93%	73.80%	-421 bps