Greensboro Federal Employees

Greensboro, NC · Charter 19359

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Greensboro, NC · Charter 19359

Q2 1996

$7.5MAssets

$6.0MLoans

$6.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.10%-118 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	3.28%	3.43%	3.94%	3.73%	2.10%	-118 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	n/a	n/a	-8.59%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-0.15%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-8.08%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.75%	1.53%	0.83%	1.33%	1.44%	+69 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.64%	0.68%	0.44%	0.50%	0.72%	+8 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	80.24%	93.17%	97.70%	91.50%	87.16%	+692 bps
Liquid Assets / Assets	21.85%	11.15%	5.50%	12.77%	16.34%	-552 bps