CALL REPORT

FINANCIAL PROJECTIONS

+-----------------------------------------------------------------------+
| > **BALANCE SHEET**                                                   |
+-----------------------------------------------------------------------+

+-----------------------------------------------------------------------+
| #### Assets                                                           |
+-----------------------------------------------------------------------+
| Cash and balances due from depository institutions                    |
|                                                                       |
| > Noninterest-bearing balances and currency and coin                  |
| >                                                                     |
| > Interest-bearing balances                                           |
+-----------------------------------------------------------------------+
| Securities                                                            |
|                                                                       |
| > Held-to-maturity securities                                         |
| >                                                                     |
| > Available-for-sale securities                                       |
+-----------------------------------------------------------------------+
| Federal funds sold and securities purchased under agreements to       |
| resell                                                                |
+-----------------------------------------------------------------------+
| Loans and lease financing receivables                                 |
|                                                                       |
| > Construction and land development loans secured by real estate      |
| >                                                                     |
| > Secured by farmland                                                 |
| >                                                                     |
| > Revolving, open-end loans secured by 1-4 family residential         |
| >                                                                     |
| > Other first lien loans secured by 1-4 family residential            |
| >                                                                     |
| > Other junior lien loans secured by 1-4 family residential           |
| >                                                                     |
| > Secured by multifamily residential properties                       |
| >                                                                     |
| > Secured by nonfarm nonresidential properties                        |
| >                                                                     |
| > Loans to depository institutions                                    |
| >                                                                     |
| > Loans to finance agricultural production and other loans to farmers |
| >                                                                     |
| > Commercial and industrial loans                                     |
| >                                                                     |
| > Acceptances of other banks                                          |
| >                                                                     |
| > Credit card and related plans to individuals                        |
| >                                                                     |
| > Other loans to individuals for household, family and other personal |
| > expenditures                                                        |
| >                                                                     |
| > Obligations (other than securities and leases) of states and        |
| > political subdivisions in the U.S.                                  |
| >                                                                     |
| > All other loans (exclude consumer loans)                            |
| >                                                                     |
| > Lease financing receivables (net of unearned income)                |
| >                                                                     |
| > Less:                                                               |
| >                                                                     |
| > Unearned income                                                     |
| >                                                                     |
| > Allowance for loan and lease losses                                 |
|                                                                       |
| Total Loans and leases, net of unearned income and allowance          |
+-----------------------------------------------------------------------+
|                                                                       |
+-----------------------------------------------------------------------+
|                                                                       |
+-----------------------------------------------------------------------+
|                                                                       |
+-----------------------------------------------------------------------+
|                                                                       |
+-----------------------------------------------------------------------+
|                                                                       |
+-----------------------------------------------------------------------+
| Other Assets                                                          |
|                                                                       |
| > Trading assets                                                      |
| >                                                                     |
| > Premises and fixed assets                                           |
| >                                                                     |
| > Other real estate owned                                             |
| >                                                                     |
| > Investments in unconsolidated subsidiaries and associated companies |
| >                                                                     |
| > Customers' liability to this bank on acceptances outstanding        |
| >                                                                     |
| > Intangible assets                                                   |
| >                                                                     |
| > All other assets (describe)                                         |
+-----------------------------------------------------------------------+
| ***Total Assets***                                                    |
+-----------------------------------------------------------------------+

CALL REPORT

FINANCIAL PROJECTIONS

  -----------------------------------------------------------------------
  **BALANCE SHEET** (Continued)

  -----------------------------------------------------------------------

+-----------------------------------------------------------------------+
| **Liabilities**                                                       |
+-----------------------------------------------------------------------+
| Transaction deposit accounts                                          |
|                                                                       |
| > Demand                                                              |
| >                                                                     |
| > NOW accounts, ATS accounts, and other interest bearing transaction  |
| > accounts                                                            |
+-----------------------------------------------------------------------+
| Nontransaction Deposit Accounts                                       |
|                                                                       |
| > Money market deposit accounts (MMDAs)                               |
| >                                                                     |
| > Other savings deposits                                              |
| >                                                                     |
| > Time deposits of \$100,000 or more                                  |
| >                                                                     |
| > Time deposits of less than \$100,000                                |
| >                                                                     |
| > Other nontransaction accounts (describe)                            |
+-----------------------------------------------------------------------+
| Other Liabilities                                                     |
|                                                                       |
| > Federal funds purchased and securities sold under agreements to     |
| > repurchase                                                          |
| >                                                                     |
| > Demand notes issued to the U.S. Treasury                            |
| >                                                                     |
| > Trading liabilities                                                 |
| >                                                                     |
| > Borrowed money with remaining maturity of one year or less          |
| >                                                                     |
| > Borrowed money with remaining maturity of more than one year        |
| > through three years                                                 |
| >                                                                     |
| > Borrowed money with remaining maturity of more than three years     |
| >                                                                     |
| > Bank\'s liability on acceptances executed and outstanding           |
| >                                                                     |
| > Subordinated notes and debentures                                   |
| >                                                                     |
| > All other liabilities (describe)                                    |
+-----------------------------------------------------------------------+
| > ***Total Liabilities***                                             |
+-----------------------------------------------------------------------+
| #### Equity Capital                                                   |
+-----------------------------------------------------------------------+
| Common stock                                                          |
+-----------------------------------------------------------------------+
| Surplus                                                               |
+-----------------------------------------------------------------------+
| Undivided profits                                                     |
+-----------------------------------------------------------------------+
| Other equity capital (describe)                                       |
+-----------------------------------------------------------------------+
| ***Total Equity***                                                    |
+-----------------------------------------------------------------------+

CALL REPORT

FINANCIAL PROJECTIONS

  -----------------------------------------------------------------------
  **REGULATORY CAPITAL**

  -----------------------------------------------------------------------

+-----------------------------------------------------------------------+
| Total Equity                                                          |
|                                                                       |
| Other Tier 1 Capital (describe)                                       |
+-----------------------------------------------------------------------+
| Total Tier 1 Capital                                                  |
+-----------------------------------------------------------------------+
| Allowance for Loan and Lease Losses                                   |
|                                                                       |
| Other Tier 2 Capital (describe)                                       |
+-----------------------------------------------------------------------+
| Total Tier 1 and Tier 2 Capital                                       |
+-----------------------------------------------------------------------+
| Total Assets                                                          |
+-----------------------------------------------------------------------+
| Total Risk Weighted Assets                                            |
+-----------------------------------------------------------------------+
| **Capital Ratios**                                                    |
+-----------------------------------------------------------------------+
| Tier 1 Capital / Total Risk Weighted Assets                           |
+-----------------------------------------------------------------------+
| Total Tier 1 and Tier 2 Capital/Total Risk Weighted Assets            |
+-----------------------------------------------------------------------+
| Tier 1 Capital /Total Assets                                          |
+-----------------------------------------------------------------------+

+-----------------------------------------------------------------------+
| ####### ALLOWANCE FOR LOAN AND LEASE LOSSES                           |
+-----------------------------------------------------------------------+

+-----------------------------------------------------------------------+
| Beginning balance                                                     |
+-----------------------------------------------------------------------+
| Current quarter\'s:                                                   |
|                                                                       |
| > Recoveries                                                          |
| >                                                                     |
| > Provision for loan and lease losses                                 |
| >                                                                     |
| > Less: Charge-offs                                                   |
+-----------------------------------------------------------------------+
| Allowance ending balance                                              |
+-----------------------------------------------------------------------+

> **FINANCIAL PROJECTIONS**

+-----------------------------------------------------------------------+
| ####### INCOME STATEMENT                                              |
+-----------------------------------------------------------------------+

+-----------------------------------------------------------------------+
| **Interest Income**                                                   |
|                                                                       |
| > Real estate loans                                                   |
| >                                                                     |
| > Installment loans                                                   |
| >                                                                     |
| > Credit card loans                                                   |
| >                                                                     |
| > Commercial (time and demand) and all other loans                    |
| >                                                                     |
| > Lease financing receivables                                         |
| >                                                                     |
| > Balances due from depository institutions                           |
| >                                                                     |
| > Taxable securities issued by states and political subdivisions in   |
| > the U.S.                                                            |
| >                                                                     |
| > Tax-exempt securities issued by states and political subdivisions   |
| > in the U.S.                                                         |
| >                                                                     |
| > U.S. Government and other debt securities                           |
| >                                                                     |
| > Equity securities                                                   |
| >                                                                     |
| > Interest income from trading assets                                 |
| >                                                                     |
| > Federal funds sold and securities purchased under agreements to     |
| > resell                                                              |
| >                                                                     |
| > Other interest income (describe)                                    |
| >                                                                     |
| > Total Interest Income                                               |
+-----------------------------------------------------------------------+
| **Interest Expense**                                                  |
|                                                                       |
| > Transaction accounts (NOW accounts, ATS accounts, and other)        |
| >                                                                     |
| > Money market deposit accounts                                       |
| >                                                                     |
| > Other savings deposits                                              |
| >                                                                     |
| > Time deposits of \$100,000 or more                                  |
| >                                                                     |
| > Time deposits of less than \$100,000                                |
| >                                                                     |
| > Federal funds purchased and securities sold under agreements to     |
| > repurchase                                                          |
| >                                                                     |
| > Demand notes issued by the U.S. Treasury, trading liabilities, and  |
| > other borrowed money                                                |
| >                                                                     |
| > Subordinated notes and debentures                                   |
| >                                                                     |
| > Other interest expense (describe)                                   |
| >                                                                     |
| > Total Interest Income                                               |
+-----------------------------------------------------------------------+
| > **Net Interest Income**                                             |
+-----------------------------------------------------------------------+
| Provision for Loan and Lease Losses                                   |
+-----------------------------------------------------------------------+
| Noninterest income                                                    |
|                                                                       |
| > Service charges on deposit accounts                                 |
| >                                                                     |
| > Other fee income                                                    |
| >                                                                     |
| > All other noninterest income                                        |
+-----------------------------------------------------------------------+
| Realized gains (losses) on held-to-maturity securities                |
|                                                                       |
| Realized gains (losses) on available-for-sale securities              |
+-----------------------------------------------------------------------+
| Noninterest expense                                                   |
|                                                                       |
| > Salaries and employee benefit expense                               |
| >                                                                     |
| > Premises and fixed assets                                           |
| >                                                                     |
| > Other noninterest expense                                           |
+-----------------------------------------------------------------------+
| Income (loss) before income taxes and extraordinary items and other   |
| adjustments                                                           |
+-----------------------------------------------------------------------+
| Applicable income taxes                                               |
+-----------------------------------------------------------------------+
| Extraordinary items and other adjustments, net of income taxes        |
+-----------------------------------------------------------------------+
| **Net Income (Loss)**                                                 |
+-----------------------------------------------------------------------+
| Dividends                                                             |
+-----------------------------------------------------------------------+
| Other changes in capital (describe)                                   |
+-----------------------------------------------------------------------+
| **Ending Equity Capital**                                             |
+-----------------------------------------------------------------------+

> **FINANCIAL PROJECTIONS**

+-------------------------------------------------+---------+---------+
| ####### INTEREST INCOME & INTEREST EXPENSE      |         |         |
|                                                 |         |         |
| **ASSUMPTIONS**                                 |         |         |
+-------------------------------------------------+---------+---------+
| **For each quarter**                            | Averag  | > **Int |
|                                                 | **Av    | erest** |
| Real estate loans                               | erage** | >       |
|                                                 |         | > *     |
| Installment loans                               | **Ba    | *Rate** |
|                                                 | lance** |         |
| Credit card loans                               |         |         |
|                                                 |         |         |
| Commercial (time and demand) and all other      |         |         |
| loans                                           |         |         |
|                                                 |         |         |
| Lease financing receivables                     |         |         |
|                                                 |         |         |
| Balances due from depository institutions       |         |         |
|                                                 |         |         |
| Taxable securities issued by states and         |         |         |
| political subdivisions in the U.S.              |         |         |
|                                                 |         |         |
| Tax-exempt securities issued by states and      |         |         |
| political subdivisions in the U.S.              |         |         |
|                                                 |         |         |
| U.S. Government and other debt securities       |         |         |
|                                                 |         |         |
| Equity securities                               |         |         |
|                                                 |         |         |
| Interest income from trading assets             |         |         |
|                                                 |         |         |
| Federal funds sold and securities purchased     |         |         |
| under agreements to resell                      |         |         |
|                                                 |         |         |
| Other interest income                           |         |         |
+-------------------------------------------------+---------+---------+
| **For each quarter**                            | > **Av  | > **Int |
|                                                 | erage** | erest** |
| Transaction accounts (NOW accounts, ATS         | >       |         |
| accounts, and other)                            | > **Ba  | *       |
|                                                 | lance** | *Rate** |
| Money market deposit accounts                   |         |         |
|                                                 |         |         |
| Other savings deposits                          |         |         |
|                                                 |         |         |
| Time deposits of \$100,000 or more              |         |         |
|                                                 |         |         |
| Time deposits of less than \$100,000            |         |         |
|                                                 |         |         |
| Federal funds purchased and securities sold     |         |         |
| under agreements to repurchase                  |         |         |
|                                                 |         |         |
| Demand notes issued by the U.S. Treasury,       |         |         |
| trading liabilities, and other borrowed money   |         |         |
|                                                 |         |         |
| Subordinated notes and debentures               |         |         |
|                                                 |         |         |
| Other interest expense                          |         |         |
+-------------------------------------------------+---------+---------+