Maryview Hospital Employees

Portsmouth, VA · Charter 20639

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Portsmouth, VA · Charter 20639

Q2 2000

$2.5MAssets

$1.7MLoans

$2.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-1.14%-618 bps YoY

Net Interest Margin (YTD, annualized)

4.63%

Efficiency Ratio (YTD, annualized)

118.74%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	5.04%	4.97%	4.18%	0.92%	-1.14%	-618 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	5.00%	4.63%	n/a
Efficiency Ratio	n/a	n/a	n/a	83.26%	118.74%	n/a
Growth
Asset Growth (YoY)	13.02%	0.05%	5.82%	2.92%	5.19%	-783 bps
Loan Growth (YoY)	1.91%	-4.60%	6.44%	14.24%	11.67%	+976 bps
Share Growth (YoY)	11.65%	-3.75%	2.88%	0.00%	4.70%	-695 bps
Asset Quality
Delinquent Loans / Loans	2.26%	1.48%	0.55%	0.57%	1.26%	-100 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.81%	3.17%	3.26%	2.84%	2.72%	-109 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	74.75%	80.40%	76.88%	96.63%	79.73%	+498 bps
Liquid Assets / Assets	30.41%	23.17%	30.16%	13.43%	0.00%	-3,041 bps