NWT/NM

Amarillo, TX · Charter 13877

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Amarillo, TX · Charter 13877

Q2 2000

$418KAssets

$336KLoans

$347KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.65%-161 bps YoY

Net Interest Margin (YTD, annualized)

6.06%

Efficiency Ratio (YTD, annualized)

79.16%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.47%	3.75%	3.94%	0.96%	3.27%	3.02%	3.09%	-0.65%	-161 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	5.71%	6.06%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	61.08%	79.16%	n/a
Growth
Asset Growth (YoY)	-14.78%	-20.99%	-13.05%	-10.89%	-3.92%	8.15%	9.86%	8.94%	+1,983 bps
Loan Growth (YoY)	-22.70%	-30.53%	-29.90%	-31.50%	-11.22%	4.74%	20.24%	31.27%	+6,277 bps
Share Growth (YoY)	-13.36%	-21.64%	-15.49%	-12.75%	-7.16%	6.26%	5.96%	5.51%	+1,827 bps
Asset Quality
Delinquent Loans / Loans	14.75%	17.70%	30.25%	15.42%	13.60%	2.64%	7.15%	5.60%	-982 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	6.20%	6.89%	6.79%	8.68%	5.94%	4.06%	4.88%	2.81%	-587 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	98.42%	94.47%	83.55%	77.95%	94.12%	93.12%	94.81%	96.97%	+1,903 bps
Liquid Assets / Assets	16.41%	18.14%	26.22%	24.86%	19.86%	19.51%	16.50%	0.64%	-2,422 bps