Local 500 IBEW

San Antonio, TX · Charter 1160

Q4 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: Q4 1997, the quarter ended December 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.

San Antonio, TX · Charter 1160

Q4 1997

$12.0MAssets

$7.0MLoans

$10.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.90%-73 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	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	2.80%	3.46%	3.87%	3.63%	3.14%	3.16%	2.45%	2.90%	-73 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)	n/a	n/a	n/a	n/a	-7.62%	-3.77%	-2.35%	-1.76%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	8.89%	3.81%	-2.92%	-1.36%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-9.49%	-5.21%	-1.72%	-1.62%	n/a
Asset Quality
Delinquent Loans / Loans	2.04%	2.00%	2.08%	2.70%	2.40%	2.88%	2.26%	2.67%	-3 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	1.99%	1.53%	1.12%	1.31%	1.35%	1.23%	1.54%	1.31%	+1 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	55.71%	65.71%	69.78%	69.01%	67.02%	71.96%	68.93%	69.19%	+18 bps
Liquid Assets / Assets	46.14%	38.78%	34.02%	34.90%	37.13%	32.65%	34.81%	35.35%	+45 bps