Richmond Continental

Sandston, VA · Charter 18099

Q2 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: Q2 1997, the quarter ended June 30, 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.

Sandston, VA · Charter 18099

Q2 1997

$239KAssets

$136KLoans

$237KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-6.24%-977 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	YoY Δ	Trend
Earnings
Return on Assets	3.53%	3.07%	0.61%	2.14%	-6.24%	-977 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	-8.56%	-10.27%	-39.48%	n/a
Loan Growth (YoY)	n/a	n/a	-3.23%	-20.69%	-52.12%	n/a
Share Growth (YoY)	n/a	n/a	-6.19%	-9.01%	-35.32%	n/a
Asset Quality
Delinquent Loans / Loans	6.85%	6.04%	4.73%	5.22%	1.29%	-557 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	5.23%	6.10%	4.34%	6.56%	4.18%	-105 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	77.80%	88.48%	90.07%	69.41%	57.59%	-2,021 bps
Liquid Assets / Assets	23.50%	14.67%	11.17%	24.03%	33.61%	+1,011 bps