Ici Employees Credit Union

Hopewell, VA · Charter 66981

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.

Hopewell, VA · Charter 66981

Q4 1997

$848KAssets

$552KLoans

$677KShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.25%-108 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	4.60%	5.43%	5.51%	6.32%	5.03%	6.22%	4.98%	5.25%	-108 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	17.72%	10.39%	26.09%	37.54%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-10.89%	-7.50%	2.51%	31.95%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	13.25%	4.88%	26.46%	42.84%	n/a
Asset Quality
Delinquent Loans / Loans	0.63%	0.50%	0.38%	0.00%	0.00%	2.38%	2.49%	0.89%	+89 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	2.33%	2.52%	2.63%	2.92%	2.88%	2.72%	2.48%	1.14%	-178 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	92.20%	103.96%	92.24%	88.20%	72.55%	91.69%	74.77%	81.47%	-672 bps
Liquid Assets / Assets	19.68%	13.74%	22.88%	29.34%	37.96%	28.26%	37.91%	34.12%	+478 bps