McArdle Employees

Upper Marlboro,, MD · Charter 9949

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.

Upper Marlboro,, MD · Charter 9949

Q4 1997

$325KAssets

$198KLoans

$260KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.88%-23 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	5.20%	4.18%	5.18%	4.11%	2.86%	5.76%	4.58%	3.88%	-23 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	-9.98%	-4.98%	-29.35%	-31.23%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	17.90%	-6.14%	-23.07%	-27.28%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-12.47%	-7.99%	-36.50%	-37.73%	n/a
Asset Quality
Delinquent Loans / Loans	3.44%	1.51%	0.00%	1.51%	0.00%	1.59%	1.71%	2.44%	+93 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	3.35%	3.94%	3.72%	3.94%	4.00%	7.45%	8.21%	10.08%	+614 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	60.19%	65.06%	80.08%	65.06%	81.08%	66.37%	97.01%	75.97%	+1,092 bps
Liquid Assets / Assets	47.43%	43.41%	31.13%	30.53%	31.29%	43.29%	17.80%	33.90%	+336 bps