Atlanta Cooperative Cr.assoc

Atlanta, GA · Charter 67540

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Atlanta, GA · Charter 67540

Q2 1998

$454KAssets

$353KLoans

$329KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.09%-54 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	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.21%	3.62%	5.20%	4.64%	4.93%	4.16%	4.78%	4.09%	-54 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	-10.97%	-18.12%	-12.49%	-7.10%	-1.92%	+904 bps
Loan Growth (YoY)	n/a	n/a	n/a	-5.56%	-23.55%	-7.25%	-14.65%	-2.68%	+288 bps
Share Growth (YoY)	n/a	n/a	n/a	-15.12%	-14.62%	-17.22%	-9.94%	-2.76%	+1,236 bps
Asset Quality
Delinquent Loans / Loans	2.00%	5.70%	0.00%	0.00%	0.00%	0.00%	0.00%	0.63%	+63 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	6.56%	7.09%	6.70%	7.72%	8.57%	7.65%	7.85%	7.93%	+21 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	109.19%	99.34%	114.39%	107.20%	97.77%	111.31%	108.41%	107.29%	+9 bps
Liquid Assets / Assets	26.09%	25.52%	16.74%	24.24%	31.29%	21.98%	23.67%	21.96%	-228 bps