Red Arrow-American

San Antonio, TX · Charter 63049

Q2 1999

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 1999, the quarter ended June 30, 1999, 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 Antonio, TX · Charter 63049

Q2 1999

$3.1MAssets

$1.8MLoans

$2.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.25%-135 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.43%	3.73%	3.45%	3.60%	2.93%	1.29%	2.60%	2.25%	-135 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	9.30%	6.58%	4.70%	0.50%	-3.32%	-1.68%	-5.81%	-1,052 bps
Loan Growth (YoY)	n/a	9.59%	1.70%	-7.16%	-5.42%	-1.31%	-20.76%	-26.47%	-1,931 bps
Share Growth (YoY)	n/a	9.81%	18.98%	11.67%	1.59%	-1.52%	-0.57%	-5.00%	-1,667 bps
Asset Quality
Delinquent Loans / Loans	3.39%	2.85%	5.25%	3.34%	5.52%	1.95%	1.67%	1.30%	-204 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	2.01%	1.84%	2.34%	1.70%	2.48%	2.77%	2.32%	2.91%	+121 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	91.02%	83.33%	92.86%	85.67%	84.74%	83.51%	74.00%	66.30%	-1,936 bps
Liquid Assets / Assets	16.85%	16.12%	11.41%	18.53%	17.44%	19.32%	25.56%	28.66%	+1,013 bps