Columbian Chemicals

Powder Springs, GA · Charter 12747

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.

Powder Springs, GA · Charter 12747

Q2 1999

$11KAssets

$0KLoans

$0KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-4.48%-659 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 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	2.11%	1.98%	1.53%	0.97%	-4.48%	-659 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)	-2.57%	3.05%	-23.82%	-17.23%	-93.45%	-9,088 bps
Loan Growth (YoY)	-40.89%	-49.07%	-61.10%	-77.46%	-100.00%	-5,911 bps
Share Growth (YoY)	-4.05%	4.04%	-32.49%	-25.09%	-100.00%	-9,595 bps
Asset Quality
Delinquent Loans / Loans	4.58%	3.90%	0.00%	0.00%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	4.03%	5.13%	8.49%	0.53%	n/a	n/a
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	59.51%	40.46%	34.51%	19.77%	n/a	n/a
Liquid Assets / Assets	57.93%	70.46%	76.35%	84.66%	61.76%	+383 bps