Maple Leaf

Lincolnton, NC · Charter 62609

Q4 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: Q4 1997, the quarter ended December 31, 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.

Lincolnton, NC · Charter 62609

Q4 1997

$777KAssets

$462KLoans

$642KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.60%-205 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.65%	2.65%	2.63%	1.78%	1.60%	-205 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	-7.51%	-19.82%	-34.44%	-37.47%	n/a
Loan Growth (YoY)	n/a	-6.93%	-24.19%	-31.64%	-45.04%	n/a
Share Growth (YoY)	n/a	-10.13%	-23.56%	-36.06%	-39.39%	n/a
Asset Quality
Delinquent Loans / Loans	7.40%	6.20%	8.58%	3.18%	7.13%	-27 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.98%	0.52%	0.10%	2.54%	3.88%	+90 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	79.42%	70.52%	74.83%	67.68%	72.02%	-741 bps
Liquid Assets / Assets	27.14%	33.57%	30.76%	36.94%	36.65%	+951 bps