Baptist

San Antonio, TX · Charter 10529

Q2 1998

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: Q2 1998, the quarter ended June 30, 1998, 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.

San Antonio, TX · Charter 10529

Q2 1998

$16.8MAssets

$12.9MLoans

$15.3MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.24%+93 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 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.30%	3.54%	3.46%	3.94%	4.24%	+93 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	54.40%	38.15%	21.67%	2.66%	4.39%	-5,001 bps
Loan Growth (YoY)	113.98%	59.75%	26.90%	13.68%	6.41%	-10,757 bps
Share Growth (YoY)	54.64%	48.17%	23.95%	1.86%	3.53%	-5,111 bps
Asset Quality
Delinquent Loans / Loans	0.48%	0.51%	0.70%	0.99%	1.20%	+72 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.41%	0.32%	0.40%	0.52%	0.52%	+11 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	82.37%	94.03%	89.70%	89.79%	84.67%	+229 bps
Liquid Assets / Assets	4.05%	1.02%	9.44%	12.70%	15.71%	+1,166 bps