Peoples Bank

Barretville, TN · Cert 9185

FDIC

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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.

Barretville, TN · Cert 9185

FDIC

Q1 2001

$311.2MAssets

$178.0MLoans

$254.8MDeposits

$53.7MEquity

Deposit mix

Earnings: ROA of 1.42%, down 19 bps year over year; NIM at 3.73%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
Funding: loans stand at 69.86% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.42%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.73%

n/a

Efficiency Ratio (YTD, annualized)

48.55%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	2.07%	1.91%	1.62%	1.61%	1.55%	1.48%	1.45%	1.42%	-19 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	3.73%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	48.55%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.37%	n/a	n/a
Growth
Asset Growth (YoY)	13.46%	16.38%	17.89%	18.20%	6.25%	4.12%	-5.98%	-6.55%	-2,474 bps
Loan Growth (YoY)	37.72%	54.45%	58.25%	47.80%	22.57%	6.57%	-1.12%	-5.46%	-5,325 bps
Deposit Growth (YoY)	27.22%	21.25%	25.97%	17.89%	4.03%	9.39%	-1.44%	-0.13%	-1,803 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.10%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.33%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	28.76%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	17.26%	n/a	n/a
Liquidity & Funding
Loans / Deposits	61.99%	71.01%	69.37%	73.80%	73.04%	69.18%	69.59%	69.86%	-394 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	9.00%	+900 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a