Five Star

Cedar Springs, GA · Charter 16392

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Cedar Springs, GA · Charter 16392

Q2 1997

$63.5MAssets

$52.6MLoans

$57.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.68%+24 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	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	Q1 1997	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.72%	5.05%	3.60%	4.44%	n/a	4.86%	4.76%	4.68%	+24 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	15.40%	9.81%	7.47%	6.97%	8.46%	9.25%	10.22%	10.37%	+341 bps
Loan Growth (YoY)	12.66%	7.85%	7.39%	8.35%	9.18%	11.71%	7.85%	2.51%	-584 bps
Share Growth (YoY)	14.22%	9.15%	6.47%	6.56%	8.18%	9.37%	10.57%	10.14%	+357 bps
Asset Quality
Delinquent Loans / Loans	1.98%	1.82%	1.71%	1.09%	1.19%	1.04%	1.31%	1.53%	+43 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.51%	1.48%	1.62%	1.18%	1.18%	1.11%	1.21%	1.31%	+13 bps
Capital
Risk-Based Capital	n/a	n/a	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	n/a	n/a
Liquidity & Funding
Loans / Shares	96.14%	96.69%	94.53%	99.11%	97.04%	98.76%	92.21%	92.25%	-686 bps
Liquid Assets / Assets	4.70%	5.38%	7.26%	2.88%	4.34%	3.18%	8.91%	7.28%	+441 bps