E.A.C.

Nashville, TN · Charter 67780

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.

Nashville, TN · Charter 67780

Q4 1997

$2.8MAssets

$1.9MLoans

$2.4MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.70%-99 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.69%	4.27%	4.68%	3.55%	3.70%	-99 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	9.43%	1.56%	9.16%	2.73%	n/a
Loan Growth (YoY)	n/a	25.90%	18.37%	16.49%	24.17%	n/a
Share Growth (YoY)	n/a	5.58%	-5.61%	6.22%	-0.50%	n/a
Asset Quality
Delinquent Loans / Loans	0.03%	0.03%	0.21%	0.52%	0.26%	+22 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.37%	0.25%	0.38%	0.63%	0.55%	+18 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	64.54%	63.53%	73.57%	75.13%	80.55%	+1,601 bps
Liquid Assets / Assets	27.37%	39.01%	33.98%	32.77%	25.85%	-153 bps