Azalea City

Mobile, AL · Charter 9312

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.

Mobile, AL · Charter 9312

Q4 1996

$11.6MAssets

$8.4MLoans

$10.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.12%+30 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	YoY Δ	Trend
Earnings
Return on Assets	4.79%	4.82%	5.48%	5.15%	4.59%	5.12%	+30 bps
Return on Equity	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
Efficiency Ratio	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	19.14%	16.59%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	10.49%	7.01%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	17.75%	15.42%	n/a
Asset Quality
Delinquent Loans / Loans	0.34%	0.60%	0.44%	1.26%	0.42%	0.43%	-17 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.69%	0.78%	0.50%	0.63%	0.56%	0.48%	-29 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	86.02%	88.53%	90.82%	87.50%	80.71%	82.09%	-645 bps
Liquid Assets / Assets	14.22%	9.80%	11.16%	13.77%	12.82%	10.51%	+71 bps