Plant 18

Houston, TX · Charter 18215

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.

Houston, TX · Charter 18215

Q2 1997

$833KAssets

$576KLoans

$529KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.88%-268 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	5.08%	4.95%	4.56%	5.07%	4.16%	4.40%	1.88%	-268 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	-13.81%	-17.79%	-49.50%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-26.15%	-18.79%	-41.01%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-19.60%	-24.15%	-60.85%	n/a
Asset Quality
Delinquent Loans / Loans	1.11%	1.72%	1.49%	1.63%	3.09%	3.39%	3.78%	+229 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	1.94%	2.24%	2.51%	1.80%	2.04%	1.80%	1.98%	-54 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	87.09%	79.93%	72.27%	78.04%	80.00%	85.57%	108.89%	+3,662 bps
Liquid Assets / Assets	18.31%	30.88%	28.01%	36.52%	32.49%	32.55%	23.72%	-429 bps