Parisian

Birmingham, AL · Charter 61079

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Birmingham, AL · Charter 61079

Q2 2000

$3.0MAssets

$2.1MLoans

$2.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.47%-297 bps YoY

Net Interest Margin (YTD, annualized)

3.76%

Efficiency Ratio (YTD, annualized)

79.61%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	-1.14%	4.33%	4.37%	4.44%	0.37%	4.15%	0.86%	1.47%	-297 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	3.79%	3.76%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	86.61%	79.61%	n/a
Growth
Asset Growth (YoY)	-11.09%	-13.23%	-7.45%	-3.54%	8.06%	15.08%	2.94%	2.53%	+607 bps
Loan Growth (YoY)	-35.46%	-22.72%	6.22%	0.42%	12.86%	-4.41%	-19.28%	1.59%	+117 bps
Share Growth (YoY)	-7.63%	-4.21%	-3.16%	-6.50%	12.50%	14.19%	0.74%	0.27%	+677 bps
Asset Quality
Delinquent Loans / Loans	1.54%	0.89%	1.45%	2.70%	4.96%	1.65%	6.43%	0.50%	-220 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	2.56%	2.05%	1.62%	2.09%	2.45%	2.06%	2.77%	1.45%	-65 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	75.23%	83.62%	96.73%	78.01%	75.47%	70.00%	77.51%	79.03%	+103 bps
Liquid Assets / Assets	18.73%	17.83%	10.66%	7.60%	11.26%	19.99%	1.73%	11.70%	+410 bps