Texas Aluminum Employees

Rockwall, TX · Charter 14834

Q2 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: Q2 1997, the quarter ended June 30, 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.

Rockwall, TX · Charter 14834

Q2 1997

$584KAssets

$420KLoans

$418KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-5.18%-849 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	YoY Δ	Trend
Earnings
Return on Assets	2.70%	2.79%	3.31%	3.47%	3.99%	3.99%	-5.18%	-849 bps
Return on Equity	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
Efficiency Ratio	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	2.29%	2.12%	14.16%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	30.76%	18.37%	-6.63%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	4.80%	3.64%	-9.66%	n/a
Asset Quality
Delinquent Loans / Loans	0.87%	0.08%	0.00%	0.27%	0.31%	0.36%	5.38%	+538 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	4.54%	3.93%	2.60%	2.59%	2.71%	2.54%	2.74%	+13 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	70.56%	84.50%	97.27%	97.27%	88.04%	96.51%	100.53%	+326 bps
Liquid Assets / Assets	35.89%	22.49%	9.28%	11.57%	17.60%	13.95%	18.98%	+970 bps