Railroad & Industrial

Tampa, FL · Charter 401

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.

Tampa, FL · Charter 401

Q2 1997

$111.0MAssets

$51.1MLoans

$97.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.07%-65 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	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	Q1 1997	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.64%	4.60%	4.84%	4.72%	n/a	4.73%	3.99%	4.07%	-65 bps
Return on Equity	n/a	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	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	6.31%	6.13%	5.49%	6.04%	6.39%	4.02%	5.13%	4.04%	-201 bps
Loan Growth (YoY)	5.35%	5.98%	4.74%	0.45%	0.68%	0.96%	1.24%	1.19%	+74 bps
Share Growth (YoY)	5.77%	5.75%	6.13%	7.00%	6.87%	4.17%	4.54%	3.20%	-380 bps
Asset Quality
Delinquent Loans / Loans	0.60%	0.81%	0.55%	0.79%	0.69%	0.92%	1.10%	1.03%	+24 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.33%	1.29%	1.18%	1.10%	1.01%	0.92%	1.11%	1.25%	+15 bps
Capital
Risk-Based Capital	n/a	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	n/a
Liquidity & Funding
Loans / Shares	56.68%	56.38%	54.65%	53.36%	53.40%	54.64%	52.93%	52.32%	-104 bps
Liquid Assets / Assets	28.70%	30.56%	23.06%	20.46%	16.84%	13.79%	17.23%	21.48%	+102 bps