Florida Faa

Miami Lakes, FL · Charter 23278

Q2 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: Q2 1997, the quarter ended June 30, 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.

Miami Lakes, FL · Charter 23278

Q2 1997

$48.1MAssets

$36.8MLoans

$42.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.38%-30 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	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.38%	4.29%	4.68%	4.04%	4.14%	3.97%	4.38%	-30 bps
Return on Equity	n/a	n/a	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	n/a	n/a
Efficiency Ratio	n/a	n/a	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	21.86%	25.94%	26.30%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	25.80%	30.36%	25.26%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	20.18%	25.66%	26.16%	n/a
Asset Quality
Delinquent Loans / Loans	0.52%	0.55%	0.96%	1.15%	1.30%	1.39%	1.77%	+81 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.71%	1.56%	1.33%	1.25%	1.07%	0.99%	1.11%	-22 bps
Capital
Risk-Based Capital	n/a	n/a	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	n/a	n/a
Liquidity & Funding
Loans / Shares	82.62%	85.38%	87.91%	85.42%	86.48%	88.57%	87.28%	-63 bps
Liquid Assets / Assets	12.97%	12.71%	8.32%	10.04%	8.37%	11.88%	12.98%	+466 bps