Baltimore Navistar

Baltimore, MD · Charter 95733

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.

Baltimore, MD · Charter 95733

Q4 1997

$106KAssets

$32KLoans

$97KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.61%-83 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	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	2.85%	3.77%	2.33%	3.44%	1.74%	1.96%	1.50%	2.61%	-83 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	n/a	-6.68%	-7.49%	-17.49%	-8.07%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-40.33%	-41.97%	-35.17%	-33.97%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-7.29%	-8.43%	-17.99%	-9.82%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	3.52%	0.00%	0.00%	0.00%	0.00%	0.00%	0 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	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.39%	0.00%	0 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	48.46%	50.18%	42.82%	44.99%	31.19%	31.80%	33.85%	32.95%	-1,205 bps
Liquid Assets / Assets	24.83%	25.68%	24.87%	28.43%	46.04%	47.52%	51.59%	53.31%	+2,488 bps