Wichita Telco

Wichita Falls, TX · Charter 4207

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Wichita Falls, TX · Charter 4207

Q2 1998

$10.4MAssets

$8.6MLoans

$9.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.95%+64 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.23%	3.81%	3.97%	4.30%	4.56%	4.49%	4.63%	4.95%	+64 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	27.17%	16.62%	20.51%	10.47%	2.17%	-2,500 bps
Loan Growth (YoY)	n/a	n/a	n/a	73.29%	65.58%	67.84%	40.82%	14.04%	-5,925 bps
Share Growth (YoY)	n/a	n/a	n/a	24.30%	27.27%	18.44%	9.30%	2.91%	-2,139 bps
Asset Quality
Delinquent Loans / Loans	0.17%	0.42%	0.74%	0.50%	0.56%	0.90%	1.70%	1.10%	+61 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	1.71%	1.63%	1.13%	0.94%	1.05%	0.86%	1.08%	0.93%	-1 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	73.10%	71.21%	75.73%	84.74%	95.11%	100.91%	97.57%	93.91%	+917 bps
Liquid Assets / Assets	20.05%	15.46%	17.28%	12.01%	8.74%	6.14%	6.73%	10.93%	-108 bps