Harman International

Bolivar, TN · Charter 68174

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.

Bolivar, TN · Charter 68174

Q4 1997

$369KAssets

$251KLoans

$257KShares

n/aNet Worth

Return on Assets (YTD, annualized)

6.01%-94 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.83%	7.02%	6.95%	6.41%	7.82%	6.64%	6.01%	-94 bps
Return on Equity	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
Efficiency Ratio	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	-9.84%	-9.59%	-31.92%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-6.16%	-34.27%	-51.89%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-17.54%	-17.91%	-42.29%	n/a
Asset Quality
Delinquent Loans / Loans	1.43%	1.83%	1.96%	2.46%	3.47%	24.54%	8.49%	+654 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	9.64%	8.54%	8.10%	8.93%	8.33%	11.48%	17.55%	+945 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	105.93%	107.66%	117.00%	93.68%	120.55%	86.21%	97.54%	-1,946 bps
Liquid Assets / Assets	12.03%	16.21%	7.10%	26.47%	12.27%	39.25%	34.64%	+2,755 bps