Teamsters Local #988

Houston, TX · Charter 67863

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.

Houston, TX · Charter 67863

Q2 1999

$1.5MAssets

$1.1MLoans

$1.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.10%+9 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	3.95%	3.92%	4.08%	4.01%	3.59%	3.77%	2.72%	4.10%	+9 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	26.71%	16.60%	0.36%	-2.87%	-9.12%	2.01%	4.05%	+369 bps
Loan Growth (YoY)	n/a	20.66%	21.55%	-0.27%	19.20%	1.01%	-3.33%	-1.48%	-121 bps
Share Growth (YoY)	n/a	28.94%	11.66%	-1.79%	-4.94%	-12.64%	3.17%	4.18%	+598 bps
Asset Quality
Delinquent Loans / Loans	1.80%	1.56%	0.93%	0.00%	0.16%	0.07%	0.83%	1.73%	+173 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	2.05%	1.85%	1.66%	1.33%	0.96%	1.26%	1.23%	1.27%	-6 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	77.75%	76.82%	91.87%	87.89%	97.49%	88.83%	86.08%	83.11%	-478 bps
Liquid Assets / Assets	28.39%	28.12%	19.21%	23.00%	10.77%	17.82%	20.27%	22.28%	-71 bps