City of Carrollton Employees

Carrollton, TX · Charter 22127

Q4 1999

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 1999, the quarter ended December 31, 1999, 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.

Carrollton, TX · Charter 22127

Q4 1999

$1.1MAssets

$743KLoans

$965KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.84%-306 bps YoY

Net Interest Margin (YTD, annualized)

3.99%

Efficiency Ratio (YTD, annualized)

78.52%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.90%	3.42%	3.33%	2.56%	0.84%	-306 bps
Return on Equity	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	3.99%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	78.52%	n/a	n/a
Growth
Asset Growth (YoY)	5.62%	1.15%	7.79%	3.26%	15.28%	+967 bps
Loan Growth (YoY)	5.51%	5.02%	-9.28%	-19.67%	6.81%	+129 bps
Share Growth (YoY)	4.39%	-1.64%	6.75%	2.74%	12.75%	+836 bps
Asset Quality
Delinquent Loans / Loans	0.59%	0.75%	1.08%	0.63%	0.32%	-27 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.10%	1.12%	1.01%	1.20%	0.79%	-31 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	81.28%	85.60%	73.44%	65.76%	76.99%	-428 bps
Liquid Assets / Assets	18.37%	18.40%	28.10%	32.41%	22.96%	+459 bps