T M C

Tunica, MS · Charter 15411

Q3 2003

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: Q3 2003, the quarter ended September 30, 2003, 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.

Tunica, MS · Charter 15411

Q3 2003

$122KAssets

$103KLoans

$47KShares

$71KNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-123.25%-12,359 bps YoY

Net Interest Margin (YTD, annualized)

23.02%+1,765 bps YoY

Efficiency Ratio (YTD, annualized)

48.76%-2,940 bps YoY

Net Worth / Assets

57.98%+1,872 bps YoY

Year to date, annualized, through each quarter.

Metric	Q3 2002	Q4 2002	Q1 2003	Q2 2003	Q3 2003	YoY Δ	Trend
Earnings
Return on Assets	0.34%	1.59%	4.32%	3.97%	-123.25%	-12,359 bps
Return on Equity	0.86%	3.52%	10.35%	8.31%	-213%	-21,342 bps
Net Interest Margin	5.37%	6.92%	7.74%	7.89%	23.02%	+1,765 bps
Efficiency Ratio	78.16%	64.03%	44.84%	50.42%	48.76%	-2,940 bps
Growth
Asset Growth (YoY)	10.37%	5.43%	31.48%	-1.94%	-72.59%	-8,297 bps
Loan Growth (YoY)	15.26%	65.71%	37.22%	-17.93%	-64.53%	-7,979 bps
Share Growth (YoY)	22.54%	7.34%	63.03%	20.04%	-82.10%	-10,465 bps
Asset Quality
Delinquent Loans / Loans	0.77%	2.93%	5.45%	6.91%	3.18%	+242 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.67%	1.49%	1.97%	2.47%	111.89%	+11,022 bps
Capital
Risk-Based Capital	39.26%	45.03%	41.69%	47.74%	57.98%	+1,872 bps
Net Worth / Assets	39.26%	45.03%	41.69%	47.74%	57.98%	+1,872 bps
Liquidity & Funding
Loans / Shares	110.50%	152.51%	93.08%	93.82%	219%	+10,850 bps
Liquid Assets / Assets	34.94%	20.11%	46.02%	51.70%	105.65%	+7,071 bps