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Raleigh, NC · Charter 65247

Q2 1996

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: Q2 1996, the quarter ended June 30, 1996, 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.

Raleigh, NC · Charter 65247

Q2 1996

$1.1MAssets

$458KLoans

$1.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.25%+129 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	YoY Δ	Trend
Earnings
Return on Assets	2.97%	3.03%	4.18%	3.72%	4.25%	+129 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	n/a	n/a	n/a	40.53%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	39.63%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	44.47%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	3.17%	5.09%	4.45%	5.46%	2.31%	-86 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.78%	1.69%	1.44%	2.23%	2.39%	+61 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	47.33%	46.41%	62.38%	55.34%	45.74%	-159 bps
Liquid Assets / Assets	12.76%	23.72%	25.70%	42.87%	48.70%	+3,593 bps