Minco Employees

Auburndale, FL · Charter 19409

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.

Auburndale, FL · Charter 19409

Q2 1996

$2.1MAssets

$1.1MLoans

$1.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.07%+65 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	1.42%	2.17%	2.12%	2.28%	2.07%	+65 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	-29.85%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-26.98%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-33.03%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.82%	0.65%	0.48%	0.17%	1.40%	+59 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.24%	0.21%	0.19%	0.27%	0.49%	+25 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	54.07%	65.79%	80.49%	71.63%	58.95%	+488 bps
Liquid Assets / Assets	42.01%	32.37%	22.49%	27.60%	27.48%	-1,453 bps