Toshiba/Houston

Houston, TX · Charter 67429

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.

Houston, TX · Charter 67429

Q2 1998

$2.8MAssets

$1.7MLoans

$2.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.55%+23 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	3.88%	4.23%	4.53%	4.31%	4.42%	4.64%	4.97%	4.55%	+23 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	21.96%	17.01%	12.50%	-0.49%	-10.38%	-3,234 bps
Loan Growth (YoY)	n/a	n/a	n/a	5.99%	6.48%	-6.37%	-8.63%	-7.63%	-1,362 bps
Share Growth (YoY)	n/a	n/a	n/a	20.17%	11.14%	10.52%	-3.09%	-13.38%	-3,355 bps
Asset Quality
Delinquent Loans / Loans	1.99%	0.91%	1.51%	2.94%	0.16%	1.35%	1.10%	0.78%	-216 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	1.53%	1.65%	1.87%	2.20%	1.33%	1.93%	1.87%	1.96%	-24 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	75.09%	77.52%	69.18%	64.39%	71.94%	65.68%	65.22%	68.66%	+427 bps
Liquid Assets / Assets	4.22%	6.42%	20.39%	8.11%	3.99%	7.91%	17.44%	25.42%	+1,731 bps