Samsonite Employees

Murfreesboro, TN · Charter 15195

Q4 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: Q4 1996, the quarter ended December 31, 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.

Murfreesboro, TN · Charter 15195

Q4 1996

$2.9MAssets

$993KLoans

$2.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.19%-14 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	YoY Δ	Trend
Earnings
Return on Assets	4.75%	5.33%	5.75%	6.24%	5.25%	5.19%	-14 bps
Return on Equity	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
Efficiency Ratio	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	-7.14%	-10.21%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-8.78%	-31.27%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-11.01%	-13.52%	n/a
Asset Quality
Delinquent Loans / Loans	1.98%	2.18%	6.43%	18.08%	12.01%	9.65%	+747 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.03%	1.44%	1.51%	1.84%	1.99%	2.14%	+70 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	46.73%	50.11%	51.12%	55.43%	47.90%	39.82%	-1,029 bps
Liquid Assets / Assets	24.86%	22.70%	40.99%	35.70%	22.42%	33.38%	+1,068 bps