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San Angelo, TX · Charter 61020

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.

San Angelo, TX · Charter 61020

Q2 1998

$640KAssets

$448KLoans

$561KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.79%-168 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	2.79%	3.22%	3.46%	3.46%	3.13%	-0.29%	1.06%	1.79%	-168 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	-6.94%	-4.95%	-10.80%	-17.12%	-19.58%	-1,263 bps
Loan Growth (YoY)	n/a	n/a	n/a	17.08%	30.59%	5.48%	-22.48%	-34.21%	-5,130 bps
Share Growth (YoY)	n/a	n/a	n/a	-9.04%	-6.70%	-11.41%	-17.76%	-20.96%	-1,191 bps
Asset Quality
Delinquent Loans / Loans	0.24%	0.31%	0.25%	0.45%	4.86%	5.52%	1.06%	1.31%	+86 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	1.00%	0.92%	0.83%	0.87%	0.89%	2.86%	0.43%	1.62%	+74 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	73.12%	81.56%	100.49%	95.92%	102.35%	97.11%	94.72%	79.83%	-1,608 bps
Liquid Assets / Assets	29.51%	18.27%	2.69%	10.41%	3.25%	8.09%	10.65%	14.67%	+425 bps