Joe Wheeler

Decatur, AL · Charter 64399

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.

Decatur, AL · Charter 64399

Q4 1996

$448KAssets

$281KLoans

$408KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.77%+35 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	3.07%	3.42%	3.78%	4.09%	4.42%	3.77%	+35 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	-6.58%	-0.55%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	47.00%	-13.21%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-10.32%	14.90%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	2.49%	2.86%	1.24%	2.94%	1.52%	-96 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.66%	0.43%	0.50%	0.41%	0.45%	1.07%	+64 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	53.54%	91.16%	88.10%	113.52%	87.75%	68.86%	-2,230 bps
Liquid Assets / Assets	47.16%	25.49%	20.98%	11.81%	10.44%	8.49%	-1,700 bps