Medical Center East

Birmingham, AL · Charter 62727

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.

Birmingham, AL · Charter 62727

Q4 1997

$1.6MAssets

$1.4MLoans

$1.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

5.06%+73 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	4.33%	4.59%	4.91%	4.53%	5.06%	+73 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	11.70%	5.59%	-0.39%	-3.20%	n/a
Loan Growth (YoY)	n/a	24.79%	6.45%	11.06%	4.68%	n/a
Share Growth (YoY)	n/a	10.08%	3.77%	-2.73%	-6.24%	n/a
Asset Quality
Delinquent Loans / Loans	0.23%	0.13%	0.65%	0.11%	0.88%	+65 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.00%	1.00%	0.98%	0.95%	0.95%	-5 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	85.95%	85.92%	87.76%	94.00%	95.97%	+1,002 bps
Liquid Assets / Assets	15.82%	15.07%	15.88%	10.74%	8.87%	-695 bps