Family Savings

Gadsden, AL · Charter 7484

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.

Gadsden, AL · Charter 7484

Q4 1996

$126.8MAssets

$88.7MLoans

$113.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.57%+9 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	Q1 1995	Q2 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	4.40%	4.43%	4.58%	4.48%	4.51%	4.54%	n/a	4.57%	+9 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)	7.23%	9.32%	9.71%	12.87%	10.38%	8.46%	8.07%	6.44%	-643 bps
Loan Growth (YoY)	17.89%	14.85%	13.42%	13.43%	11.97%	13.07%	11.09%	6.82%	-661 bps
Share Growth (YoY)	7.29%	8.57%	9.11%	12.12%	9.51%	8.34%	7.82%	5.91%	-622 bps
Asset Quality
Delinquent Loans / Loans	0.95%	1.24%	0.93%	0.85%	0.99%	1.08%	1.16%	1.12%	+26 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	1.46%	1.41%	1.30%	1.28%	1.21%	1.06%	0.94%	0.79%	-49 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	73.50%	73.12%	75.03%	77.22%	75.16%	76.32%	77.31%	77.89%	+67 bps
Liquid Assets / Assets	8.75%	7.12%	5.11%	7.50%	6.84%	8.59%	6.80%	8.24%	+74 bps