Mecca

Corpus Christi, TX · Charter 14231

Q4 1999

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 1999, the quarter ended December 31, 1999, 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.

Corpus Christi, TX · Charter 14231

Q4 1999

$5.6MAssets

$3.6MLoans

$4.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.98%-492 bps YoY

Net Interest Margin (YTD, annualized)

4.31%

n/a

Efficiency Ratio (YTD, annualized)

103.75%

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	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	4.50%	4.90%	4.31%	3.94%	3.54%	1.13%	1.15%	-0.98%	-492 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	4.31%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	103.75%	n/a	n/a
Growth
Asset Growth (YoY)	12.33%	10.80%	9.83%	23.46%	17.60%	9.63%	2.40%	-15.02%	-3,848 bps
Loan Growth (YoY)	3.98%	20.41%	23.60%	23.90%	25.55%	4.41%	-4.04%	-16.51%	-4,041 bps
Share Growth (YoY)	9.12%	7.39%	5.97%	24.34%	18.28%	13.34%	5.37%	-15.75%	-4,009 bps
Asset Quality
Delinquent Loans / Loans	1.13%	0.67%	1.25%	0.34%	7.43%	0.76%	0.61%	1.60%	+125 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	0.86%	0.99%	1.17%	1.08%	0.14%	1.68%	1.15%	1.60%	+52 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	82.56%	94.30%	89.25%	84.15%	87.64%	86.87%	81.27%	83.39%	-76 bps
Liquid Assets / Assets	19.11%	1.78%	4.89%	31.52%	7.35%	14.15%	30.77%	13.66%	-1,786 bps