Edgewood

San Antonio, TX · Charter 17435

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.

San Antonio, TX · Charter 17435

Q2 1997

$3.3MAssets

$2.7MLoans

$3.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.10%+412 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	4.26%	3.31%	-0.02%	1.45%	5.32%	4.51%	4.10%	+412 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	15.82%	29.94%	22.01%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	90.19%	101.06%	78.59%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	21.60%	72.53%	40.18%	n/a
Asset Quality
Delinquent Loans / Loans	3.51%	5.03%	3.59%	3.61%	2.75%	3.94%	7.09%	+349 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	3.57%	0.76%	2.50%	3.76%	3.59%	3.31%	5.55%	+305 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	58.76%	75.62%	68.20%	91.30%	91.91%	88.12%	86.89%	+1,869 bps
Liquid Assets / Assets	1.59%	34.68%	33.24%	7.84%	2.37%	7.05%	5.60%	-2,765 bps