United Way

Alexandria, VA · Charter 9895

Q4 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: Q4 1998, the quarter ended December 31, 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.

Alexandria, VA · Charter 9895

Q4 1998

$909KAssets

$555KLoans

$823KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.34%-141 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	-0.09%	1.01%	-0.45%	2.75%	0.30%	1.34%	0.29%	1.34%	-141 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	-17.18%	-12.14%	-0.46%	0.69%	-1.33%	-5.87%	+627 bps
Loan Growth (YoY)	n/a	n/a	-0.73%	-11.51%	4.40%	-7.09%	-20.73%	-21.95%	-1,044 bps
Share Growth (YoY)	n/a	n/a	-14.97%	-11.60%	1.81%	3.30%	1.09%	-2.19%	+941 bps
Asset Quality
Delinquent Loans / Loans	0.98%	0.86%	3.46%	1.98%	2.51%	5.31%	8.12%	5.72%	+374 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	2.73%	2.84%	4.09%	2.84%	4.53%	5.43%	8.10%	5.70%	+286 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	74.90%	74.54%	92.98%	84.47%	76.82%	67.05%	72.90%	67.40%	-1,706 bps
Liquid Assets / Assets	20.13%	20.84%	16.00%	10.62%	20.03%	30.89%	30.23%	28.17%	+1,755 bps