Cumberland Teachers

Crossville, TN · Charter 68140

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.

Crossville, TN · Charter 68140

Q4 1997

$1.0MAssets

$744KLoans

$862KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.95%+16 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	3.79%	3.45%	3.44%	4.28%	3.95%	+16 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	-6.96%	-9.52%	-1.18%	2.63%	n/a
Loan Growth (YoY)	n/a	11.25%	7.51%	7.68%	8.03%	n/a
Share Growth (YoY)	n/a	-10.18%	-13.29%	-4.02%	0.79%	n/a
Asset Quality
Delinquent Loans / Loans	1.09%	0.00%	0.00%	1.24%	0.00%	-109 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.73%	0.63%	0.57%	0.55%	0.57%	-16 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	80.49%	81.03%	91.90%	92.56%	86.27%	+578 bps
Liquid Assets / Assets	27.57%	27.94%	19.39%	20.41%	23.73%	-384 bps