R. C. Hospital

Ahoskie, NC · Charter 65272

Q2 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: Q2 1997, the quarter ended June 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.

Ahoskie, NC · Charter 65272

Q2 1997

$428KAssets

$198KLoans

$319KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.68%-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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.61%	4.30%	5.40%	6.49%	5.63%	6.72%	4.68%	-73 bps
Return on Equity	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
Efficiency Ratio	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	-14.78%	-23.73%	-15.14%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	7.12%	-45.45%	-47.57%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-22.83%	-34.45%	-24.97%	n/a
Asset Quality
Delinquent Loans / Loans	0.23%	0.07%	0.66%	0.00%	0.00%	0.20%	0.11%	-55 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.74%	0.38%	0.42%	0.53%	0.55%	0.66%	0.57%	+14 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	53.82%	97.25%	89.05%	83.72%	74.71%	80.94%	62.23%	-2,682 bps
Liquid Assets / Assets	47.79%	10.62%	17.27%	22.61%	33.02%	34.92%	34.30%	+1,704 bps