Tswag

El Paso, TX · Charter 22193

Q2 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: Q2 1998, the quarter ended June 30, 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.

El Paso, TX · Charter 22193

Q2 1998

$16.6MAssets

$11.9MLoans

$14.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.90%-20 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.34%	4.44%	4.55%	4.10%	4.06%	3.53%	3.72%	3.90%	-20 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	n/a	20.82%	15.65%	18.79%	23.12%	20.17%	-65 bps
Loan Growth (YoY)	n/a	n/a	n/a	50.95%	45.54%	36.47%	27.52%	22.87%	-2,808 bps
Share Growth (YoY)	n/a	n/a	n/a	18.17%	8.08%	17.13%	23.46%	20.11%	+194 bps
Asset Quality
Delinquent Loans / Loans	0.78%	0.85%	1.46%	1.07%	1.75%	0.71%	0.96%	0.64%	-44 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	3.00%	2.67%	2.26%	1.62%	1.13%	1.01%	0.79%	0.74%	-88 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	73.51%	74.31%	84.84%	80.94%	99.00%	86.58%	87.63%	82.80%	+186 bps
Liquid Assets / Assets	20.44%	26.06%	20.20%	23.77%	12.48%	19.52%	17.82%	22.64%	-113 bps