Redemptorist

Bellaire, TX · Charter 13122

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.

Bellaire, TX · Charter 13122

Q2 1998

$603KAssets

$467KLoans

$544KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-2.16%-500 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	7.44%	3.36%	-5.85%	2.84%	2.93%	3.37%	3.27%	-2.16%	-500 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	-72.56%	-40.88%	-41.08%	-35.08%	-24.45%	+4,811 bps
Loan Growth (YoY)	n/a	n/a	n/a	-42.91%	-39.92%	-30.68%	-31.94%	-33.97%	+894 bps
Share Growth (YoY)	n/a	n/a	n/a	-73.39%	-41.88%	-38.47%	-35.26%	-25.43%	+4,796 bps
Asset Quality
Delinquent Loans / Loans	24.97%	31.03%	24.76%	19.00%	5.60%	11.11%	7.14%	8.64%	-1,035 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	3.83%	3.55%	8.01%	5.84%	5.66%	6.17%	4.72%	6.63%	+79 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	95.89%	95.84%	89.56%	96.88%	99.11%	107.98%	94.15%	85.79%	-1,109 bps
Liquid Assets / Assets	10.36%	13.56%	17.40%	11.88%	13.94%	6.72%	15.87%	24.44%	+1,256 bps