Attco Memphis Employees

Memphis, TN · Charter 1243

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Memphis, TN · Charter 1243

Q2 1996

$3.9MAssets

$2.4MLoans

$2.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.51%+94 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	YoY Δ	Trend
Earnings
Return on Assets	3.57%	3.48%	3.35%	3.81%	4.51%	+94 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	n/a	n/a	n/a	10.37%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	3.62%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	12.15%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.17%	0.94%	0.82%	1.66%	2.52%	+135 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.42%	0.99%	1.27%	1.43%	1.55%	+13 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	95.44%	103.68%	93.53%	96.71%	88.19%	-726 bps
Liquid Assets / Assets	31.79%	26.09%	31.46%	29.98%	35.86%	+408 bps