Package Trends Peer

Letter portrait Legal landscapeQuarter YTD

Teachers

Texarkana, TX · Charter 61627

Q3 1996

n/aAssets

n/aLoans

n/aShares

n/aNet Worth

Return on Assets (quarter, annualized)

n/a

Net Interest Margin (quarter, annualized)

n/a

n/a

Efficiency Ratio (quarter, annualized)

n/a

n/a

Net Worth / Assets

n/a

n/a

Discrete quarter, annualized.

Metric	Q4 1994	Q1 1995	Q2 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	YoY Δ	Trend
Earnings
Return on Assets	2.94%	4.01%	4.27%	3.85%	3.90%	n/a	n/a	n/a	n/a
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	14.20%	8.46%	9.89%	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	37.45%	26.18%	11.01%	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	16.13%	9.78%	11.48%	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.51%	0.40%	0.61%	0.99%	1.31%	n/a	n/a	n/a	n/a
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	0.57%	0.76%	0.76%	1.11%	1.12%	n/a	n/a	n/a	n/a
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	83.43%	86.62%	87.13%	85.36%	83.08%	n/a	n/a	n/a	n/a
Liquid Assets / Assets	13.58%	12.16%	11.84%	11.76%	8.49%	n/a	n/a	n/a	n/a