Baytown City Employees

Baytown, TX · Charter 60591

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Baytown, TX · Charter 60591

Q2 1996

$3.1MAssets

$2.4MLoans

$2.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.37%-565 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	YoY Δ	Trend
Earnings
Return on Assets	5.28%	5.09%	4.61%	4.44%	-0.37%	-565 bps
Return on Equity	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
Efficiency Ratio	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	-7.61%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	2.66%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-11.16%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.12%	0.42%	0.42%	0.87%	1.42%	+130 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.23%	0.30%	0.25%	0.64%	0.33%	+10 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	83.19%	84.75%	94.44%	97.32%	96.13%	+1,294 bps
Liquid Assets / Assets	14.63%	2.96%	20.98%	19.94%	12.68%	-196 bps