S G S Employees

Louisville, KY · Charter 9966

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.

Louisville, KY · Charter 9966

Q2 1996

$1.3MAssets

$983KLoans

$1.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.42%-74 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	4.16%	4.69%	6.02%	5.98%	3.42%	-74 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	-23.22%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-2.68%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-29.18%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.21%	1.35%	1.89%	2.65%	6.37%	+616 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.92%	2.67%	2.67%	2.39%	1.80%	-112 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	67.27%	79.27%	95.24%	100.17%	92.44%	+2,517 bps
Liquid Assets / Assets	42.40%	36.24%	3.78%	13.46%	25.87%	-1,652 bps