Tex Tan Employees

Yoakum, TX · Charter 67524

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.

Yoakum, TX · Charter 67524

Q2 1999

$205KAssets

$135KLoans

$153KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.00%-287 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	1.36%	4.32%	3.89%	3.86%	1.70%	2.69%	3.87%	1.00%	-287 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	-12.17%	-9.32%	-6.97%	0.91%	-1.71%	-7.98%	-13.30%	-633 bps
Loan Growth (YoY)	n/a	56.29%	64.19%	64.81%	13.94%	-14.88%	-25.02%	-26.06%	-9,087 bps
Share Growth (YoY)	n/a	-16.34%	-12.76%	-10.14%	0.62%	0.00%	-4.73%	-11.21%	-107 bps
Asset Quality
Delinquent Loans / Loans	4.85%	7.48%	8.34%	7.10%	13.84%	34.99%	22.19%	54.83%	+4,773 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	4.87%	3.73%	4.12%	4.27%	6.03%	7.10%	11.38%	11.96%	+768 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	92.71%	112.13%	116.14%	106.29%	104.98%	95.46%	91.41%	88.52%	-1,777 bps
Liquid Assets / Assets	27.97%	11.10%	3.37%	2.55%	11.17%	10.92%	13.02%	26.96%	+2,441 bps