Garland

Garland, TX · Charter 67665

Q4 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: Q4 1998, the quarter ended December 31, 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.

Garland, TX · Charter 67665

Q4 1998

$15.0MAssets

$8.8MLoans

$13.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.98%-303 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.36%	4.49%	4.26%	4.01%	4.13%	3.78%	2.98%	0.98%	-303 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	12.62%	9.40%	10.31%	10.25%	6.70%	11.35%	+196 bps
Loan Growth (YoY)	n/a	n/a	15.38%	9.98%	8.44%	-3.36%	-11.88%	-10.24%	-2,022 bps
Share Growth (YoY)	n/a	n/a	10.64%	7.21%	8.86%	7.68%	4.12%	13.77%	+656 bps
Asset Quality
Delinquent Loans / Loans	1.29%	1.95%	1.41%	0.87%	0.49%	0.63%	0.64%	0.17%	-70 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	1.27%	1.33%	1.45%	1.17%	1.10%	1.37%	1.07%	1.20%	+3 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	77.51%	82.51%	81.44%	82.58%	77.21%	74.05%	68.93%	65.16%	-1,743 bps
Liquid Assets / Assets	24.74%	19.26%	20.70%	18.90%	17.83%	21.11%	0.00%	30.15%	+1,125 bps