Hampton University Employees

Hampton, VA · Charter 3408

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.

Hampton, VA · Charter 3408

Q2 1997

$683KAssets

$464KLoans

$570KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.93%-239 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	0.29%	1.19%	3.32%	0.73%	1.49%	0.00%	0.93%	-239 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	-13.64%	-15.50%	-13.95%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-5.45%	-7.06%	-9.00%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-15.75%	-16.23%	-14.15%	n/a
Asset Quality
Delinquent Loans / Loans	0.90%	1.08%	1.57%	3.87%	4.35%	3.09%	2.43%	+85 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	1.78%	1.86%	2.45%	2.58%	1.78%	3.95%	3.53%	+109 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	74.14%	70.61%	76.82%	88.38%	83.21%	78.34%	81.43%	+461 bps
Liquid Assets / Assets	30.25%	26.10%	28.84%	18.64%	18.46%	20.82%	22.56%	-628 bps