National and regional economies.

National Economic Indicators

November July August

2005 2006 2006 Consumer Confidence (1) 98.3 107.0 100.2 ISM Manufacturing Index (2) 57.3 54.7 54.5 Consumer Price Index (USA city average for all urban consumers) (3) * 197.6 203.5 203.9 Retail Sales (4) ($ Millions) 346,993 368,611 382,600 30-Year Mortgage Rate (5) 6.33 6.76 6.52 Housing Starts (000) (6) 160.7 160.9 1.15

September October

2006 2006 Consumer Confidence (1) 105.9 105.1 ISM Manufacturing Index (2) 52.9 51.2 Consumer Price Index (USA city average for all urban consumers) (3) * 202.9 201.8 Retail Sales (4) ($ Millions) 352,686 355,436 (P) 30-Year Mortgage Rate (5) 6.40 6.36 Housing Starts (000) (6) 151.5 131.3

Percent

Change

November November

2006 2005-2006 Consumer Confidence (1) 102.9 4.9 ISM Manufacturing Index (2) 49.5 -13.6 Consumer Price Index (USA city average for all urban consumers) (3) * NA -- Retail Sales (4) ($ Millions) 367,812 (A) 6.0 30-Year Mortgage Rate (5) 6.24 -0.09 Housing Starts (000) (6) NA -- * Not seasonally adjusted. (A) = Advance estimate. (P) = Preliminary estimate. (1) The Conference Board www.conference-board.org. (2) Institute of Supply Management (ISM) Manufacturing Report on Business. Advance Monthly Sales, U.S. Census Bureau. (3) Bureau of Labor Statistics. (4) Economic Indicators, Gov-Economics and Statistics Administrations, www.economicindicators.gov/. (5) The Board of Governors of the Federal Reserve System, The Federal Reserve Bank, St. Louis, Missouri. All monthly 30-year mortgage statistics in this table are reported for the third weekly observation for each month. (6) U.S. Census Bureau. National Regional Unemployment Rate, Seasonally Adjusted, November 2005 and July-October 2006

November July August September October

2005 2006 2006 2006 2006 (P) U.S. 5.0 4.8 4.7 4.6 4.4 Alabama 3.6 3.9 3.5 3.3 3.2 Arkansas 4.8 5.4 5.3 5.2 5.1 Georgia 5.3 4.8 4.6 4.5 4.7 Kentucky 6.4 6.3 5.8 5.3 5.2 Louisiana 12.1 2.9 3.4 3.7 4.8 Mississippi 9.6 8.0 7.1 7.2 6.7 Missouri 5.3 4.7 5.1 5.0 5.4 Tennessee 5.5 5.9 5.7 4.6 4.5 Memphis MSA * 5.9 6.6 6.4 5.2 5.0 * Not seasonally adjusted. (P) Preliminary. Source: U.S. Bureau of Labor Statistics. National and Regional Quarterly Unadjusted Housing Permits Issued (20,000 Place Series)

October June July August

2005 2006 2006 2006 United States 171,140 180,178 145,463 158,815 Alabama 1,862 3,263 2,624 3,344 Arkansas 1,249 1,138 1,017 1,194 Georgia 8,464 8,963 7,485 9,681 Kentucky 2,079 1,871 1,322 1,537 Louisiana 2,226 1,138 1,017 2,220 Mississippi 1,624 1,461 1,441 1,291 Missouri 2,461 2,438 2,471 3,126 Tennessee 3,098 4,147 3,479 4,812 Memphis MSA 920 854 706 1,024

Percent Change

September October October

2006 2006 2005-2006 United States 133,636 131,878 -22.9% Alabama 2,121 2,459 32.1% Arkansas 1,151 716 -42.7% Georgia 6,217 7,878 -6.9% Kentucky 1,158 1,175 -43.5% Louisiana 1,721 1,980 -11.1% Mississippi 1,064 1,315 -19.0% Missouri 1,886 1,793 -27.1% Tennessee 3,402 3,067 -1.0% Memphis MSA 613 717 -22.1% * 19,000 Place Series. Source: U.S. Census Bureau.