Decatur Postal Emp

Decatur, GA · Charter 67676

Q4 1999

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 1999, the quarter ended December 31, 1999, 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.

Decatur, GA · Charter 67676

Q4 1999

$10.0MAssets

$7.4MLoans

$9.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.97%-475 bps YoY

Net Interest Margin (YTD, annualized)

3.09%

n/a

Efficiency Ratio (YTD, annualized)

57.73%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	5.24%	5.37%	0.98%	5.72%	5.08%	4.81%	4.98%	0.97%	-475 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	3.09%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	57.73%	n/a	n/a
Growth
Asset Growth (YoY)	7.70%	14.14%	13.58%	12.67%	12.29%	20.91%	26.64%	20.34%	+767 bps
Loan Growth (YoY)	55.02%	27.76%	18.12%	10.02%	20.35%	21.52%	26.91%	30.82%	+2,080 bps
Share Growth (YoY)	6.18%	12.97%	11.88%	10.58%	10.49%	20.65%	27.45%	20.84%	+1,026 bps
Asset Quality
Delinquent Loans / Loans	2.70%	6.13%	3.36%	4.19%	2.07%	2.31%	2.44%	3.00%	-119 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	2.30%	2.50%	2.22%	1.12%	1.03%	1.02%	1.28%	1.55%	+42 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	80.58%	80.12%	80.59%	76.08%	87.77%	80.70%	80.25%	82.36%	+628 bps
Liquid Assets / Assets	20.64%	20.92%	24.03%	28.38%	18.09%	23.94%	24.79%	22.39%	-599 bps