Potter Employees

Wesson, MS · Charter 61948

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Wesson, MS · Charter 61948

Q4 1997

$436KAssets

$313KLoans

$358KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.59%-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	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.37%	3.92%	4.58%	3.95%	5.87%	-8.02%	2.87%	3.59%	-36 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	n/a	n/a	n/a	-18.54%	-31.04%	-21.85%	-33.44%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	22.65%	15.60%	-23.74%	-44.96%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-24.76%	-29.29%	-14.25%	-29.77%	n/a
Asset Quality
Delinquent Loans / Loans	3.16%	3.22%	3.47%	5.73%	5.35%	22.52%	16.53%	9.44%	+370 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	1.46%	0.98%	1.64%	2.61%	1.82%	15.76%	16.30%	5.03%	+242 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	78.06%	77.85%	116.39%	111.48%	127.25%	127.28%	103.51%	87.36%	-2,412 bps
Liquid Assets / Assets	20.74%	21.89%	10.42%	6.01%	1.32%	1.41%	8.98%	10.04%	+402 bps