Houston TWC

Houston, TX · Charter 3013

Q2 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: Q2 1997, the quarter ended June 30, 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.

Houston, TX · Charter 3013

Q2 1997

$573KAssets

$427KLoans

$466KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.80%-147 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	YoY Δ	Trend
Earnings
Return on Assets	3.47%	3.27%	3.27%	2.76%	3.06%	2.99%	1.80%	-147 bps
Return on Equity	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
Efficiency Ratio	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	-21.79%	-26.87%	-20.54%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-13.83%	-28.93%	-33.02%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-22.63%	-27.24%	-24.89%	n/a
Asset Quality
Delinquent Loans / Loans	0.63%	0.38%	1.94%	0.11%	0.53%	0.30%	2.83%	+89 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.89%	0.89%	1.04%	1.04%	1.10%	0.71%	0.82%	-22 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	90.83%	96.14%	102.85%	97.39%	101.17%	93.91%	91.72%	-1,113 bps
Liquid Assets / Assets	18.55%	13.88%	5.74%	10.95%	11.54%	14.18%	21.58%	+1,584 bps