Eaton Corporation Gallatin

Gallatin, TN · Charter 68118

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.

Gallatin, TN · Charter 68118

Q4 1997

$1.7MAssets

$1.4MLoans

$1.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.13%-52 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	1.76%	2.39%	2.24%	2.65%	2.61%	2.54%	2.06%	2.13%	-52 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	-10.56%	-8.47%	-13.51%	-5.23%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	29.28%	13.55%	-8.32%	-8.38%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-13.93%	-10.71%	-16.57%	-8.32%	n/a
Asset Quality
Delinquent Loans / Loans	0.94%	0.30%	0.30%	0.19%	1.08%	0.67%	0.38%	1.22%	+103 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	2.71%	0.77%	0.89%	1.02%	0.96%	1.21%	0.99%	0.93%	-9 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	65.87%	71.76%	88.93%	98.85%	98.94%	91.25%	97.72%	98.79%	-6 bps
Liquid Assets / Assets	36.69%	33.41%	19.28%	10.49%	10.85%	16.57%	13.96%	10.93%	+45 bps