Toa Credit Union

Austin, TX · Charter 67919

Q4 1996

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 1996, the quarter ended December 31, 1996, 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.

Austin, TX · Charter 67919

Q4 1996

$1.3MAssets

$1.0MLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.36%-43 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	YoY Δ	Trend
Earnings
Return on Assets	3.37%	3.79%	3.71%	3.87%	3.22%	3.36%	-43 bps
Return on Equity	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
Efficiency Ratio	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	-18.28%	-15.78%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	30.59%	-4.03%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-22.29%	-18.95%	n/a
Asset Quality
Delinquent Loans / Loans	3.50%	0.14%	4.21%	2.45%	5.19%	7.04%	+690 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.36%	1.88%	1.80%	1.93%	2.11%	2.21%	+32 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	56.11%	75.35%	89.49%	85.75%	94.29%	89.22%	+1,387 bps
Liquid Assets / Assets	6.20%	6.46%	0.00%	24.97%	20.47%	24.42%	+1,796 bps