TWC

Longview, TX · Charter 24416

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Longview, TX · Charter 24416

Q4 1997

$1.2MAssets

$711KLoans

$965KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.54%-11 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	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.02%	3.21%	3.69%	3.65%	3.33%	3.55%	3.34%	3.54%	-11 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	n/a	-11.83%	-8.11%	0.08%	-9.39%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	1.71%	-18.51%	-25.73%	-32.15%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-13.83%	-9.80%	-0.17%	-11.63%	n/a
Asset Quality
Delinquent Loans / Loans	1.00%	2.92%	0.54%	0.53%	1.12%	0.53%	0.38%	0.05%	-48 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	1.36%	1.42%	1.62%	1.47%	1.76%	2.20%	2.43%	2.68%	+121 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	72.66%	86.77%	103.35%	96.04%	85.76%	78.39%	76.88%	73.73%	-2,231 bps
Liquid Assets / Assets	11.71%	3.11%	12.60%	16.34%	24.48%	30.27%	30.10%	35.14%	+1,879 bps