Eli Witt Employees

Ocala, FL · Charter 67324

Q4 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: Q4 1996, the quarter ended December 31, 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.

Ocala, FL · Charter 67324

Q4 1996

$2.0MAssets

$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)

6.64%+94 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	5.69%	5.83%	6.77%	6.33%	6.64%	+94 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	-9.53%	-23.00%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	0.07%	-19.98%	n/a
Share Growth (YoY)	n/a	n/a	n/a	-15.68%	-31.10%	n/a
Asset Quality
Delinquent Loans / Loans	0.05%	0.02%	0.07%	0.12%	0.13%	+8 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.00%	2.95%	2.98%	3.36%	4.28%	+128 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	79.35%	89.88%	99.12%	91.21%	92.16%	+1,281 bps
Liquid Assets / Assets	8.54%	0.00%	0.00%	14.02%	20.87%	+1,233 bps