Lyntelco

Lynchburg, VA · Charter 15537

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Lynchburg, VA · Charter 15537

Q2 1998

$3.2MAssets

$2.7MLoans

$3.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-11.01%-1,573 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.45%	4.02%	4.40%	4.72%	3.81%	3.24%	0.31%	-11.01%	-1,573 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	6.55%	3.84%	-0.43%	-4.52%	-20.41%	-2,696 bps
Loan Growth (YoY)	n/a	n/a	n/a	18.57%	6.00%	2.74%	-6.85%	-22.13%	-4,069 bps
Share Growth (YoY)	n/a	n/a	n/a	9.28%	19.52%	12.13%	13.92%	-9.36%	-1,864 bps
Asset Quality
Delinquent Loans / Loans	2.08%	4.19%	2.88%	2.83%	4.72%	0.82%	5.53%	6.09%	+326 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	1.10%	1.34%	1.22%	0.66%	0.86%	1.28%	1.22%	9.61%	+895 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	106.03%	102.91%	106.35%	98.27%	94.05%	94.29%	86.96%	84.42%	-1,384 bps
Liquid Assets / Assets	0.73%	7.09%	5.31%	3.50%	5.07%	5.34%	8.25%	9.76%	+626 bps