Dunlop Huntsville Employees

Madison, AL · Charter 20395

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Madison, AL · Charter 20395

Q2 1998

$8.7MAssets

$7.5MLoans

$7.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.47%+9 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.00%	3.63%	4.14%	4.38%	4.54%	4.01%	4.20%	4.47%	+9 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)	n/a	n/a	n/a	13.59%	22.67%	15.26%	24.11%	22.23%	+865 bps
Loan Growth (YoY)	n/a	n/a	n/a	28.66%	28.92%	31.12%	38.71%	26.15%	-252 bps
Share Growth (YoY)	n/a	n/a	n/a	9.88%	15.03%	13.31%	23.38%	21.07%	+1,119 bps
Asset Quality
Delinquent Loans / Loans	3.09%	1.26%	1.27%	2.18%	2.42%	2.77%	2.08%	1.47%	-71 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	1.50%	1.58%	1.58%	1.22%	1.25%	1.14%	1.04%	1.11%	-11 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	93.72%	85.21%	94.12%	92.80%	105.05%	98.60%	105.81%	96.69%	+389 bps
Liquid Assets / Assets	7.51%	10.04%	9.18%	4.51%	4.44%	5.33%	0.55%	7.97%	+346 bps