Chemlake

Houston, TX · Charter 19077

Q4 1996

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 1996, the quarter ended December 31, 1996, 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 19077

Q4 1996

$10.5MAssets

$7.8MLoans

$9.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.93%+137 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	YoY Δ	Trend
Earnings
Return on Assets	3.50%	3.56%	3.62%	4.53%	4.88%	4.93%	+137 bps
Return on Equity	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
Efficiency Ratio	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	18.27%	17.22%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	45.84%	48.82%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	15.33%	14.71%	n/a
Asset Quality
Delinquent Loans / Loans	1.34%	2.23%	0.37%	0.70%	0.59%	0.88%	-136 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.30%	1.50%	1.34%	1.33%	1.43%	1.42%	-9 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	59.46%	62.97%	64.94%	79.29%	75.18%	81.69%	+1,872 bps
Liquid Assets / Assets	33.89%	23.30%	19.25%	15.32%	3.63%	0.00%	-2,330 bps