Corpus Christi Chrome

Corpus Christ, TX · Charter 2766

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Corpus Christ, TX · Charter 2766

Q2 2000

$2.8MAssets

$2.0MLoans

$2.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.42%-140 bps YoY

Net Interest Margin (YTD, annualized)

5.39%

Efficiency Ratio (YTD, annualized)

56.50%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.82%	3.96%	3.61%	0.90%	2.42%	-140 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	4.73%	5.39%	n/a
Efficiency Ratio	n/a	n/a	n/a	72.22%	56.50%	n/a
Growth
Asset Growth (YoY)	-5.03%	-1.61%	1.28%	3.13%	-5.26%	-22 bps
Loan Growth (YoY)	29.41%	27.15%	16.10%	-6.65%	0.12%	-2,930 bps
Share Growth (YoY)	-8.70%	-4.15%	-0.33%	3.20%	-11.37%	-267 bps
Asset Quality
Delinquent Loans / Loans	1.68%	3.06%	0.88%	0.07%	0.53%	-115 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.38%	0.38%	0.40%	0.31%	0.30%	-8 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	82.09%	81.47%	76.08%	80.84%	92.73%	+1,064 bps
Liquid Assets / Assets	24.76%	24.30%	34.69%	19.92%	13.77%	-1,099 bps