Bank of Prattville

Prattville, AL · Cert 15309

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.

Prattville, AL · Cert 15309

FDIC

Q1 2001

$159.7MAssets

$88.4MLoans

$131.9MDeposits

$23.1MEquity

Loan mix

Deposit mix

Earnings: ROA of -0.95%, down 214 bps year over year; NIM at 4.12%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.00%.
Funding: loans stand at 67.01% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

-0.95%-214 bps YoY

Net Interest Margin (YTD, annualized)

4.12%

n/a

Efficiency Ratio (YTD, annualized)

112.75%

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	1.09%	0.96%	0.80%	1.19%	1.09%	1.13%	0.99%	-0.95%	-214 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	4.12%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	112.75%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	5.09%	n/a	n/a
Growth
Asset Growth (YoY)	-0.56%	-0.71%	1.67%	-1.18%	-0.01%	-0.39%	-8.28%	-1.51%	-33 bps
Loan Growth (YoY)	-6.86%	-1.38%	1.24%	1.35%	1.87%	2.56%	1.89%	8.62%	+727 bps
Deposit Growth (YoY)	0.95%	0.56%	5.69%	0.62%	0.88%	-1.23%	-11.14%	-5.72%	-635 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	1.00%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.23%	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	23.69%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	14.44%	n/a	n/a
Liquidity & Funding
Loans / Deposits	58.13%	58.98%	54.89%	58.16%	58.70%	61.24%	62.95%	67.01%	+885 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a