Acadia Teachers

Crowley, LA · Charter 9938

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.

Crowley, LA · Charter 9938

Q2 2000

$523KAssets

$539KLoans

$498KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-7.70%-946 bps YoY

Net Interest Margin (YTD, annualized)

11.36%

Efficiency Ratio (YTD, annualized)

81.77%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	6.68%	8.34%	5.26%	1.76%	2.24%	5.16%	-7.49%	-7.70%	-946 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	7.51%	11.36%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	56.49%	81.77%	n/a
Growth
Asset Growth (YoY)	19.61%	19.25%	12.85%	19.00%	23.31%	4.36%	3.95%	-10.73%	-2,973 bps
Loan Growth (YoY)	42.16%	30.11%	13.39%	-5.50%	-5.48%	2.29%	14.67%	23.70%	+2,920 bps
Share Growth (YoY)	15.65%	13.41%	6.70%	18.31%	24.73%	13.62%	13.45%	-1.01%	-1,931 bps
Asset Quality
Delinquent Loans / Loans	11.29%	13.66%	11.12%	10.12%	10.41%	9.02%	20.82%	23.08%	+1,296 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	6.31%	2.67%	5.27%	4.77%	6.06%	6.99%	18.11%	14.72%	+994 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	104.57%	92.32%	95.77%	86.69%	79.24%	83.11%	96.79%	108.32%	+2,163 bps
Liquid Assets / Assets	8.99%	13.60%	15.16%	18.55%	18.61%	30.45%	13.59%	9.13%	-941 bps