Playas

Playas, NM · Charter 23698

Q2 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: Q2 1999, the quarter ended June 30, 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.

Playas, NM · Charter 23698

Q2 1999

$1.7MAssets

$913KLoans

$1.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.26%-224 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.37%	4.11%	5.22%	4.50%	4.60%	3.96%	3.60%	2.26%	-224 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	22.44%	14.64%	10.98%	20.85%	14.65%	19.72%	14.37%	+339 bps
Loan Growth (YoY)	n/a	35.41%	10.18%	13.14%	16.39%	3.14%	-14.39%	-16.35%	-2,949 bps
Share Growth (YoY)	n/a	21.79%	12.29%	8.73%	21.23%	13.77%	22.37%	15.87%	+714 bps
Asset Quality
Delinquent Loans / Loans	1.93%	0.15%	1.21%	0.00%	0.32%	4.99%	0.12%	0.75%	+75 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	2.69%	2.46%	2.09%	2.48%	2.75%	3.38%	0.00%	0.74%	-174 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	89.00%	84.60%	104.19%	91.62%	85.45%	76.69%	72.89%	66.14%	-2,548 bps
Liquid Assets / Assets	23.40%	29.44%	18.89%	24.46%	31.20%	37.28%	32.10%	42.93%	+1,848 bps