Lamar Bank, The

Purvis, MS · Cert 11421

FDIC

Q2 2001

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: Q2 2001, the quarter ended June 30, 2001, 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.

Purvis, MS · Cert 11421

FDIC

Q2 2001

$424.2MAssets

$210.0MLoans

$317.7MDeposits

$33.7MEquity

Deposit mix

Earnings: ROA of -0.28%, down 127 bps year over year; NIM at 2.78%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.39%.
Funding: loans stand at 66.10% of deposits as of Q2 2001.

Return on Assets (YTD, annualized)

-0.28%-127 bps YoY

Net Interest Margin (YTD, annualized)

2.78%

Efficiency Ratio (YTD, annualized)

77.96%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	1.12%	1.10%	0.93%	0.98%	0.93%	0.71%	0.66%	-0.28%	-127 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	2.85%	2.78%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	66.77%	77.96%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	1.63%	1.97%	n/a
Growth
Asset Growth (YoY)	28.67%	25.10%	9.30%	3.24%	0.10%	0.43%	5.14%	4.84%	+160 bps
Loan Growth (YoY)	20.79%	17.27%	8.93%	3.38%	-2.52%	-6.15%	-5.33%	-7.98%	-1,135 bps
Deposit Growth (YoY)	7.69%	8.20%	6.35%	1.67%	0.78%	-0.74%	5.06%	5.23%	+355 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	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	0.23%	0.39%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	2.67%	3.97%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	15.36%	14.03%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	8.09%	7.95%	n/a
Liquidity & Funding
Loans / Deposits	76.06%	74.43%	72.58%	75.58%	73.57%	70.38%	65.40%	66.10%	-948 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	14.78%	7.83%	+783 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a