Ergon Companies

Jackson, MS · Charter 63001

Q2 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: Q2 1996, the quarter ended June 30, 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.

Jackson, MS · Charter 63001

Q2 1996

$781KAssets

$296KLoans

$693KShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.02%+42 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	YoY Δ	Trend
Earnings
Return on Assets	4.60%	4.07%	5.48%	5.44%	5.02%	+42 bps
Return on Equity	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
Efficiency Ratio	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	13.03%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	6.09%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	11.30%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.47%	0.49%	0.49%	0.21%	0.00%	-47 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.98%	2.37%	2.60%	1.34%	0.89%	-109 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	44.78%	47.04%	43.30%	43.61%	42.69%	-209 bps
Liquid Assets / Assets	59.01%	57.72%	60.83%	60.85%	61.63%	+262 bps