Peoples and Union Bank

Lewisburg, TN · Cert 1474

FDIC

Q1 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: Q1 2001, the quarter ended March 31, 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.

Lewisburg, TN · Cert 1474

FDIC

Q1 2001

$162.3MAssets

$111.9MLoans

$149.1MDeposits

$11.5MEquity

Loan mix

Deposit mix

Earnings: ROA of 1.46%, down 20 bps year over year; NIM at 3.26%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
Funding: loans stand at 75.03% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.46%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.26%

n/a

Efficiency Ratio (YTD, annualized)

35.68%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	1.62%	1.59%	1.55%	1.66%	1.61%	1.55%	1.50%	1.46%	-20 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	3.26%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	35.68%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.88%	n/a	n/a
Growth
Asset Growth (YoY)	6.96%	10.96%	10.73%	10.53%	11.67%	9.55%	11.81%	8.18%	-235 bps
Loan Growth (YoY)	8.03%	11.12%	15.08%	18.39%	13.19%	7.66%	6.72%	4.86%	-1,352 bps
Deposit Growth (YoY)	8.21%	12.21%	11.79%	11.27%	13.00%	9.51%	11.65%	7.65%	-362 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	n/a	0.04%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.06%	n/a	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	n/a	11.56%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.06%	n/a	n/a
Liquidity & Funding
Loans / Deposits	73.40%	72.77%	74.70%	77.03%	73.52%	71.54%	71.40%	75.03%	-200 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	12.62%	+1,262 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a