Waldo Community Development

Belfast, ME · Charter 24537

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Belfast, ME · Charter 24537

Q4 1998

$1.5MAssets

$895KLoans

$1.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-6.82%-668 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 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	-0.15%	1.40%	1.06%	-6.98%	-6.82%	-668 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	275%	102.75%	71.76%	17.80%	n/a
Loan Growth (YoY)	n/a	n/a	458%	112.00%	4.35%	n/a
Share Growth (YoY)	n/a	272%	122.39%	94.34%	31.56%	n/a
Asset Quality
Delinquent Loans / Loans	8.96%	7.86%	15.42%	10.08%	11.63%	+267 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.54%	0.96%	2.15%	6.88%	8.25%	+771 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	74.21%	76.42%	64.04%	54.45%	58.86%	-1,534 bps
Liquid Assets / Assets	22.73%	13.01%	27.45%	39.06%	20.17%	-256 bps