Associated

Atlanta, GA · Charter 60108

Q3 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: Q3 1997, the quarter ended September 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.

Atlanta, GA · Charter 60108

Q3 1997

$70.3MAssets

$43.3MLoans

$62.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.56%

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 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	Q1 1997	Q2 1997	Q3 1997	YoY Δ	Trend
Earnings
Return on Assets	4.23%	3.75%	3.75%	n/a	3.91%	3.93%	3.72%	3.56%	n/a
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)	12.27%	15.19%	14.85%	11.52%	6.83%	3.47%	1.47%	1.51%	-1,000 bps
Loan Growth (YoY)	7.18%	1.67%	1.41%	2.24%	1.19%	-0.75%	-1.39%	-2.30%	-454 bps
Share Growth (YoY)	11.06%	14.56%	14.43%	11.22%	6.29%	3.03%	0.98%	1.06%	-1,015 bps
Asset Quality
Delinquent Loans / Loans	0.91%	0.93%	0.54%	0.83%	0.80%	0.94%	0.77%	1.02%	+19 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	1.00%	1.09%	1.06%	1.20%	1.01%	1.07%	1.01%	1.00%	-20 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	76.99%	71.39%	70.99%	71.73%	73.30%	68.77%	69.32%	69.34%	-239 bps
Liquid Assets / Assets	21.51%	23.20%	22.71%	22.21%	19.98%	31.42%	32.31%	32.33%	+1,012 bps