Lone Star

Lone Star, TX · Charter 5948

Q4 1999

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 1999, the quarter ended December 31, 1999, 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.

Lone Star, TX · Charter 5948

Q4 1999

$30.8MAssets

$19.8MLoans

$25.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.06%-309 bps YoY

Net Interest Margin (YTD, annualized)

4.13%

n/a

Efficiency Ratio (YTD, annualized)

77.31%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	4.20%	4.41%	3.99%	4.16%	4.07%	3.91%	3.86%	1.06%	-309 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	4.13%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	77.31%	n/a	n/a
Growth
Asset Growth (YoY)	-0.34%	2.38%	7.02%	7.91%	12.15%	19.44%	27.31%	22.57%	+1,466 bps
Loan Growth (YoY)	27.37%	29.22%	40.39%	52.85%	47.40%	41.95%	30.06%	34.65%	-1,821 bps
Share Growth (YoY)	-4.15%	-0.72%	4.26%	5.06%	11.32%	19.58%	29.07%	21.95%	+1,689 bps
Asset Quality
Delinquent Loans / Loans	0.70%	0.72%	0.45%	0.59%	0.34%	1.04%	1.08%	0.58%	-1 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	1.44%	1.35%	1.16%	1.03%	0.95%	1.01%	0.76%	0.67%	-36 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	51.70%	56.43%	62.76%	69.58%	68.46%	66.98%	63.24%	76.82%	+724 bps
Liquid Assets / Assets	16.92%	22.15%	23.94%	19.33%	17.46%	12.63%	10.10%	4.86%	-1,446 bps