Orbit Savings & Credit Association

Helen, GA · Charter 67404

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.

Helen, GA · Charter 67404

Q4 1996

$450KAssets

$293KLoans

$229KShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.06%-43 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	YoY Δ	Trend
Earnings
Return on Assets	6.87%	5.49%	6.45%	6.24%	5.08%	5.06%	-43 bps
Return on Equity	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
Efficiency Ratio	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	-31.20%	-42.57%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-24.54%	-47.78%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-45.31%	-62.62%	n/a
Asset Quality
Delinquent Loans / Loans	0.31%	0.47%	0.38%	2.93%	0.46%	18.30%	+1,783 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.64%	1.80%	2.02%	2.32%	2.60%	3.36%	+157 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	81.63%	91.57%	74.99%	95.43%	112.62%	127.90%	+3,633 bps
Liquid Assets / Assets	34.69%	28.78%	40.17%	33.18%	29.11%	35.90%	+712 bps