Executive Park

Tucker, GA · Charter 1907

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.

Tucker, GA · Charter 1907

Q2 1999

$503KAssets

$159KLoans

$464KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.32%-78 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	3.10%	3.75%	2.42%	3.38%	2.32%	-78 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)	-0.36%	-2.62%	-6.02%	-7.39%	9.24%	+959 bps
Loan Growth (YoY)	-44.76%	-36.27%	-30.76%	-32.32%	-29.90%	+1,487 bps
Share Growth (YoY)	2.28%	1.93%	10.99%	11.66%	27.03%	+2,475 bps
Asset Quality
Delinquent Loans / Loans	1.65%	3.07%	2.13%	0.00%	0.00%	-165 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.74%	0.47%	1.25%	2.01%	2.77%	+203 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	62.29%	76.79%	61.47%	49.76%	34.37%	-2,791 bps
Liquid Assets / Assets	49.65%	38.43%	43.12%	54.61%	67.50%	+1,785 bps