Brooks County

Quitman, GA · Charter 23218

Q2 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: Q2 1996, the quarter ended June 30, 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.

Quitman, GA · Charter 23218

Q2 1996

$203KAssets

$127KLoans

$199KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.77%-36 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	YoY Δ	Trend
Earnings
Return on Assets	3.13%	3.74%	-4.63%	-0.48%	2.77%	-36 bps
Return on Equity	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
Efficiency Ratio	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	-27.66%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-22.52%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-20.60%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	9.27%	9.60%	4.65%	1.78%	3.15%	-612 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.02%	1.32%	2.10%	2.82%	4.04%	+302 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	65.41%	84.93%	74.22%	70.03%	63.83%	-158 bps
Liquid Assets / Assets	25.99%	0.00%	0.00%	0.00%	0.00%	-2,599 bps