Statco

Cornelia, GA · Charter 67369

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Cornelia, GA · Charter 67369

Q2 1999

$1.4MAssets

$546KLoans

$1.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.10%-534 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.66%	4.68%	5.56%	5.23%	4.85%	4.27%	4.03%	-0.10%	-534 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	19.55%	5.72%	13.24%	12.29%	3.69%	9.19%	-30.58%	-4,382 bps
Loan Growth (YoY)	n/a	31.17%	-0.45%	-6.89%	-11.77%	-17.52%	-30.54%	-54.61%	-4,772 bps
Share Growth (YoY)	n/a	19.59%	2.55%	10.54%	10.28%	1.59%	9.14%	-31.84%	-4,238 bps
Asset Quality
Delinquent Loans / Loans	1.25%	0.80%	1.31%	1.76%	2.98%	0.47%	1.64%	2.77%	+101 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	1.05%	1.06%	1.11%	1.13%	1.00%	0.27%	1.17%	5.34%	+420 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	82.66%	71.15%	76.96%	68.57%	66.13%	57.77%	48.98%	45.67%	-2,290 bps
Liquid Assets / Assets	20.66%	30.39%	27.01%	33.32%	36.29%	36.74%	50.51%	48.08%	+1,477 bps