Bell Tel

Orlando, FL · Charter 410

Q3 1999

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: Q3 1999, the quarter ended September 30, 1999, 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.

Orlando, FL · Charter 410

Q3 1999

$156.1MAssets

$101.0MLoans

$136.4MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.55%-327 bps YoY

Net Interest Margin (YTD, annualized)

4.24%

Efficiency Ratio (YTD, annualized)

81.59%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1998	Q4 1998	Q1 1999	Q2 1999	Q3 1999	YoY Δ	Trend
Earnings
Return on Assets	3.83%	3.78%	3.48%	3.32%	0.55%	-327 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	4.24%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	81.59%	n/a	n/a
Growth
Asset Growth (YoY)	2.53%	6.03%	5.06%	2.68%	7.63%	+510 bps
Loan Growth (YoY)	4.94%	2.96%	3.92%	5.76%	11.74%	+680 bps
Share Growth (YoY)	1.32%	5.43%	3.74%	2.27%	7.91%	+659 bps
Asset Quality
Delinquent Loans / Loans	0.65%	0.61%	0.26%	0.32%	0.34%	-32 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.86%	0.76%	0.75%	0.77%	0.79%	-7 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	71.53%	70.59%	66.61%	72.53%	74.07%	+254 bps
Liquid Assets / Assets	19.13%	11.85%	18.09%	14.43%	12.02%	-711 bps