Arkansas Central

Little Rock, AR · Charter 23984

Q4 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: Q4 1999, the quarter ended December 31, 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.

Little Rock, AR · Charter 23984

Q4 1999

$18.8MAssets

$13.9MLoans

$16.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.35%-383 bps YoY

Net Interest Margin (YTD, annualized)

4.76%

n/a

Efficiency Ratio (YTD, annualized)

71.41%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	4.93%	4.93%	4.96%	5.18%	5.05%	5.11%	4.65%	1.35%	-383 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	4.76%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	71.41%	n/a	n/a
Growth
Asset Growth (YoY)	19.79%	27.91%	28.26%	27.02%	29.44%	23.27%	19.97%	15.91%	-1,111 bps
Loan Growth (YoY)	27.22%	24.98%	20.99%	20.35%	14.66%	11.10%	9.58%	7.57%	-1,278 bps
Share Growth (YoY)	18.01%	26.70%	26.84%	25.57%	28.54%	21.68%	18.50%	13.77%	-1,180 bps
Asset Quality
Delinquent Loans / Loans	0.64%	1.12%	0.52%	0.73%	0.76%	1.48%	1.14%	1.02%	+29 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	0.56%	0.70%	0.60%	0.58%	0.56%	0.63%	0.67%	0.67%	+9 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	93.26%	94.62%	85.49%	89.02%	83.19%	86.39%	79.06%	84.17%	-485 bps
Liquid Assets / Assets	13.26%	11.70%	15.91%	15.45%	20.16%	18.81%	19.15%	13.87%	-158 bps