Simmons Dallas

Carrollton, TX · Charter 61947

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.

Carrollton, TX · Charter 61947

Q2 1998

$331KAssets

$293KLoans

$288KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-11.88%-1,701 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	5.77%	5.63%	6.04%	5.13%	4.70%	3.38%	2.51%	-11.88%	-1,701 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	5.52%	1.40%	-20.90%	-12.53%	-19.96%	-2,548 bps
Loan Growth (YoY)	n/a	n/a	n/a	3.90%	7.27%	-11.02%	-12.39%	-4.43%	-833 bps
Share Growth (YoY)	n/a	n/a	n/a	-11.18%	-2.10%	-16.25%	-16.23%	-7.08%	+410 bps
Asset Quality
Delinquent Loans / Loans	0.00%	6.78%	10.62%	2.17%	5.19%	2.56%	3.22%	23.96%	+2,179 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	4.59%	4.08%	4.70%	4.26%	2.95%	2.75%	4.22%	10.94%	+668 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	83.75%	94.21%	101.17%	98.76%	91.76%	100.10%	105.81%	101.58%	+282 bps
Liquid Assets / Assets	26.91%	17.48%	12.66%	11.61%	13.16%	15.80%	12.09%	6.40%	-521 bps