Riverview Baptist

Richmond, VA · Charter 22339

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.

Richmond, VA · Charter 22339

Q2 1996

$11KAssets

$0KLoans

$9KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.32%+79 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	0.53%	1.88%	0.53%	-2.85%	1.32%	+79 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	-22.14%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-92.27%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-27.39%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	43.39%	52.16%	36.21%	100.00%	100.00%	+5,661 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	9.08%	15.07%	14.72%	38.95%	117.48%	+10,840 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	33.61%	21.91%	22.08%	10.57%	3.58%	-3,003 bps
Liquid Assets / Assets	56.57%	60.84%	61.24%	77.26%	74.73%	+1,816 bps