Kilowatt

Pine Bluff, AR · Charter 63360

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.

Pine Bluff, AR · Charter 63360

Q4 1996

$3.5MAssets

$2.0MLoans

$3.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.60%-12 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	3.54%	3.72%	3.83%	4.17%	2.47%	3.60%	-12 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	-3.27%	1.56%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-14.48%	-16.13%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-3.40%	4.26%	n/a
Asset Quality
Delinquent Loans / Loans	2.64%	2.63%	4.48%	8.62%	10.15%	9.37%	+674 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.92%	1.08%	1.22%	1.19%	2.21%	1.20%	+12 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	71.64%	80.16%	75.98%	73.58%	63.43%	64.49%	-1,567 bps
Liquid Assets / Assets	1.47%	29.55%	31.88%	32.56%	43.52%	42.15%	+1,260 bps