Affiliated of Florida, Inc.

Tampa, FL · Charter 61006

Q4 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: Q4 1996, the quarter ended December 31, 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.

Tampa, FL · Charter 61006

Q4 1996

$1.9MAssets

$1.2MLoans

$1.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.93%+58 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	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	1.84%	2.35%	2.80%	3.07%	2.65%	2.93%	+58 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-4.90%	-11.25%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	0.10%	21.44%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-8.06%	-14.87%	n/a
Asset Quality
Delinquent Loans / Loans	0.08%	1.24%	0.24%	1.92%	0.65%	0.00%	-124 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	4.92%	5.90%	5.72%	4.99%	5.08%	4.41%	-149 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	58.99%	51.02%	58.67%	68.63%	64.22%	72.78%	+2,176 bps
Liquid Assets / Assets	36.49%	45.05%	37.57%	30.65%	35.07%	29.08%	-1,597 bps