Concora

Greensboro, NC · Charter 63593

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.

Greensboro, NC · Charter 63593

Q4 1997

$206KAssets

$117KLoans

$152KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-3.04%-814 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	0.01%	3.04%	3.31%	5.10%	-12.48%	-12.06%	-3.88%	-3.04%	-814 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)	n/a	n/a	n/a	n/a	-11.81%	-26.70%	-33.50%	-38.49%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-13.66%	-27.66%	-46.32%	-60.06%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-8.06%	-16.60%	-17.82%	-24.17%	n/a
Asset Quality
Delinquent Loans / Loans	2.72%	2.34%	6.24%	17.96%	28.99%	29.37%	5.31%	17.43%	-54 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	1.41%	1.81%	2.00%	2.23%	7.91%	18.02%	5.92%	13.48%	+1,125 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	145.47%	146.12%	146.00%	145.77%	136.60%	126.75%	95.37%	76.78%	-6,899 bps
Liquid Assets / Assets	6.97%	6.37%	5.48%	6.67%	6.45%	7.86%	10.29%	10.19%	+353 bps