Brook Run Employee

Dunwoody, GA · Charter 20103

Q4 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: Q4 1997, the quarter ended December 31, 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.

Dunwoody, GA · Charter 20103

Q4 1997

$10KAssets

$0KLoans

$0KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

99.28%+9,444 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.84%	4.89%	5.29%	4.51%	99.28%	+9,444 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	-9.50%	-20.11%	-13.55%	-97.63%	n/a
Loan Growth (YoY)	n/a	-8.79%	-13.67%	-31.95%	-100.00%	n/a
Share Growth (YoY)	n/a	-14.51%	-26.78%	-19.46%	-100.00%	n/a
Asset Quality
Delinquent Loans / Loans	5.96%	5.42%	7.27%	9.62%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.35%	1.81%	2.10%	2.74%	n/a	n/a
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	76.70%	70.78%	79.00%	60.85%	n/a	n/a
Liquid Assets / Assets	30.27%	29.35%	29.40%	32.05%	0.00%	-3,027 bps