Gaylord Employees

Dallas, TX · Charter 67528

Q4 1997

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: Q4 1997, the quarter ended December 31, 1997, 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.

Dallas, TX · Charter 67528

Q4 1997

$198KAssets

$74KLoans

$160KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.21%-27 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.83%	3.20%	1.05%	0.49%	-0.14%	0.22%	-0.01%	0.21%	-27 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	n/a	-1.61%	-16.26%	-11.39%	-11.49%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-49.91%	-45.45%	-10.90%	-3.08%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-0.03%	-16.83%	-9.18%	-9.87%	n/a
Asset Quality
Delinquent Loans / Loans	2.64%	2.56%	6.36%	14.93%	4.15%	2.62%	0.13%	0.00%	-1,493 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	2.26%	2.85%	3.85%	4.86%	4.43%	1.69%	1.53%	1.76%	-310 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	84.35%	65.34%	54.45%	42.66%	42.26%	42.85%	53.41%	45.87%	+321 bps
Liquid Assets / Assets	18.04%	18.11%	20.69%	21.36%	20.39%	48.55%	39.60%	40.89%	+1,953 bps