United Heritage

Austin, TX · Charter 11497

Q1 1997

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 1997, the quarter ended March 31, 1997, 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.

Austin, TX · Charter 11497

Q1 1997

$171.0MAssets

$123.8MLoans

$156.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.73%-53 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 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	Q1 1997	YoY Δ	Trend
Earnings
Return on Assets	3.98%	4.03%	4.08%	4.26%	4.23%	n/a	4.03%	3.73%	-53 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	7.26%	6.94%	9.01%	12.71%	12.83%	14.04%	15.28%	11.90%	-81 bps
Loan Growth (YoY)	3.84%	-6.89%	-0.63%	2.29%	11.73%	23.02%	8.88%	8.92%	+663 bps
Share Growth (YoY)	8.15%	6.39%	8.21%	11.95%	12.25%	14.31%	16.20%	12.17%	+22 bps
Asset Quality
Delinquent Loans / Loans	0.61%	0.71%	0.69%	1.33%	1.24%	1.05%	1.09%	0.90%	-42 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.56%	1.62%	1.51%	1.48%	1.36%	1.30%	1.22%	1.16%	-32 bps
Capital
Risk-Based Capital	n/a	n/a	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	n/a	n/a
Liquidity & Funding
Loans / Shares	85.51%	79.65%	83.15%	81.33%	85.12%	85.72%	77.90%	78.98%	-236 bps
Liquid Assets / Assets	16.93%	22.55%	17.64%	19.57%	15.78%	14.23%	20.58%	20.61%	+104 bps