Omni Community

Jacksonville, FL · Charter 17070

Q1 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: Q1 1997, the quarter ended March 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.

Jacksonville, FL · Charter 17070

Q1 1997

$52.1MAssets

$33.1MLoans

$43.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.99%-30 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 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	Q1 1997	YoY Δ	Trend
Earnings
Return on Assets	4.92%	4.95%	5.07%	4.29%	4.52%	n/a	4.64%	3.99%	-30 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	26.37%	9.50%	-1.28%	-8.30%	-11.69%	-8.75%	-4.78%	-350 bps
Loan Growth (YoY)	n/a	22.32%	-1.29%	-4.07%	0.33%	3.20%	4.01%	3.67%	+774 bps
Share Growth (YoY)	n/a	28.51%	9.17%	-4.07%	-12.40%	-14.98%	-11.92%	-6.13%	-205 bps
Asset Quality
Delinquent Loans / Loans	0.94%	1.34%	1.63%	1.17%	0.95%	1.34%	1.26%	1.36%	+19 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	1.75%	1.51%	1.47%	1.38%	1.20%	1.07%	1.06%	1.18%	-19 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	62.57%	61.77%	64.87%	68.27%	71.66%	74.98%	76.60%	75.39%	+712 bps
Liquid Assets / Assets	27.60%	26.23%	24.30%	27.78%	22.82%	21.23%	22.26%	20.98%	-680 bps