Greater Southwest

Sugarland, TX · Charter 19000

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Sugarland, TX · Charter 19000

Q4 1998

$673KAssets

$520KLoans

$558KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.31%-358 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	1.59%	3.20%	3.27%	3.28%	3.10%	-1.78%	3.08%	-0.31%	-358 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	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	n/a
Growth
Asset Growth (YoY)	n/a	n/a	-14.62%	-17.05%	-8.14%	-21.55%	-22.61%	-32.89%	-1,585 bps
Loan Growth (YoY)	n/a	n/a	11.42%	37.74%	38.83%	10.75%	-22.67%	-38.39%	-7,613 bps
Share Growth (YoY)	n/a	n/a	-26.50%	-23.58%	-16.71%	-21.17%	-13.51%	-29.47%	-589 bps
Asset Quality
Delinquent Loans / Loans	0.21%	0.29%	0.16%	0.79%	0.89%	8.45%	9.26%	2.75%	+196 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	0.49%	0.44%	0.42%	0.49%	0.56%	7.44%	2.34%	3.85%	+336 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	71.53%	85.38%	89.69%	106.54%	119.24%	119.95%	80.20%	93.05%	-1,348 bps
Liquid Assets / Assets	33.89%	22.51%	23.42%	3.79%	1.58%	2.05%	9.68%	1.73%	-206 bps