Richland Memorial Hospital

Columbia, SC · Charter 17716

Q4 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: Q4 1998, the quarter ended December 31, 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.

Columbia, SC · Charter 17716

Q4 1998

$11.8MAssets

$7.6MLoans

$10.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.80%+38 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.36%	4.36%	4.13%	4.42%	4.45%	4.52%	5.12%	4.80%	+38 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	20.23%	16.98%	30.73%	30.37%	33.55%	51.29%	+3,430 bps
Loan Growth (YoY)	n/a	n/a	43.09%	21.38%	26.37%	31.30%	43.72%	48.03%	+2,665 bps
Share Growth (YoY)	n/a	n/a	20.16%	16.95%	33.02%	32.24%	34.61%	53.53%	+3,658 bps
Asset Quality
Delinquent Loans / Loans	1.94%	2.15%	1.30%	1.05%	0.46%	0.80%	0.41%	0.80%	-25 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	1.70%	1.67%	1.69%	2.06%	1.77%	1.73%	1.53%	1.18%	-88 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	89.57%	95.51%	78.74%	77.45%	85.09%	94.83%	84.07%	74.68%	-277 bps
Liquid Assets / Assets	16.31%	8.73%	20.81%	24.45%	20.58%	8.83%	9.07%	9.98%	-1,447 bps