Hunter Sadler Employees

Tupelo, MS · Charter 23655

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Tupelo, MS · Charter 23655

Q2 1999

$217KAssets

$70KLoans

$116KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.40%-117 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.43%	6.04%	6.07%	5.57%	6.18%	5.00%	3.95%	4.40%	-117 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	6.07%	10.39%	9.15%	7.18%	11.92%	8.94%	5.03%	-412 bps
Loan Growth (YoY)	n/a	70.24%	36.84%	44.02%	-19.18%	-34.92%	-40.38%	-35.60%	-7,962 bps
Share Growth (YoY)	n/a	1.37%	6.40%	3.06%	-3.20%	5.59%	1.22%	-3.55%	-661 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.40%	1.50%	9.41%	10.17%	12.43%	10.12%	8.64%	-77 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	3.45%	3.48%	3.44%	4.83%	4.36%	6.69%	7.17%	7.17%	+234 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	108.26%	96.37%	113.50%	90.87%	90.38%	59.40%	66.85%	60.67%	-3,019 bps
Liquid Assets / Assets	30.04%	29.01%	30.64%	29.01%	31.20%	51.53%	55.90%	54.67%	+2,566 bps