Nacogdoches Public Employees

Nacogdoches, TX · Charter 60118

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.

Nacogdoches, TX · Charter 60118

Q2 1997

$200KAssets

$170KLoans

$155KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.25%-120 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	3.57%	3.44%	2.45%	2.55%	2.23%	2.59%	1.25%	-120 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	-36.02%	-45.83%	-36.97%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-19.02%	-18.34%	-23.92%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-40.49%	-52.31%	-42.65%	n/a
Asset Quality
Delinquent Loans / Loans	1.01%	0.00%	0.04%	0.90%	0.00%	0.00%	2.82%	+279 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	9.80%	9.36%	9.52%	8.75%	10.68%	11.46%	12.52%	+299 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	71.65%	66.30%	82.49%	115.90%	97.50%	113.52%	109.45%	+2,695 bps
Liquid Assets / Assets	41.33%	38.10%	3.08%	13.86%	14.46%	17.61%	18.86%	+1,578 bps