Fort Worth

Fort Worth, TX · Charter 4013

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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.

Fort Worth, TX · Charter 4013

Q1 2001

$455.0MAssets

$243.8MLoans

$401.8MShares

$50.0MNet Worth

Return on Assets (YTD, annualized)

0.61%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-10 bps YoY

Efficiency Ratio (YTD, annualized)

69.82%+211 bps YoY

Net Worth / Assets

10.99%

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	4.84%	0.80%	0.81%	0.68%	0.73%	0.79%	0.35%	0.61%	-7 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	3.08%	5.54%	n/a
Net Interest Margin	n/a	2.43%	2.47%	2.52%	2.50%	2.52%	2.06%	2.41%	-10 bps
Efficiency Ratio	n/a	62.09%	61.62%	67.71%	66.64%	65.05%	76.23%	69.82%	+211 bps
Growth
Asset Growth (YoY)	5.77%	4.92%	2.36%	2.48%	2.17%	2.25%	4.03%	8.11%	+563 bps
Loan Growth (YoY)	7.39%	10.03%	9.66%	13.98%	14.75%	15.12%	15.31%	9.18%	-480 bps
Share Growth (YoY)	5.78%	4.58%	1.75%	1.85%	1.47%	1.71%	4.10%	8.83%	+698 bps
Asset Quality
Delinquent Loans / Loans	0.39%	0.47%	0.51%	0.50%	0.41%	0.62%	0.83%	0.55%	+5 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	0.74%	0.72%	0.72%	0.70%	0.68%	0.67%	0.67%	0.69%	-1 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	11.33%	10.99%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	11.33%	10.99%	n/a
Liquidity & Funding
Loans / Shares	55.23%	56.97%	57.82%	60.48%	62.46%	64.48%	64.05%	60.68%	+20 bps
Liquid Assets / Assets	26.66%	30.20%	30.25%	22.66%	20.23%	19.44%	26.01%	24.46%	+180 bps