Houston Area Central

Houston, TX · Charter 67981

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 67981

Q2 1999

$11.6MAssets

$5.0MLoans

$10.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.75%-127 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	3.22%	3.18%	3.26%	3.02%	2.91%	2.24%	2.61%	1.75%	-127 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	0.12%	0.01%	0.01%	-2.66%	-1.92%	-1.97%	2.86%	+286 bps
Loan Growth (YoY)	n/a	16.99%	3.40%	0.37%	-2.13%	-6.21%	-20.39%	-17.90%	-1,828 bps
Share Growth (YoY)	n/a	-1.40%	-1.86%	-2.89%	-4.41%	-4.15%	-1.88%	3.78%	+667 bps
Asset Quality
Delinquent Loans / Loans	0.92%	1.41%	0.89%	0.96%	0.92%	2.25%	2.37%	2.91%	+195 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	1.12%	1.14%	0.82%	0.77%	0.85%	1.07%	1.05%	1.29%	+53 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	66.25%	61.20%	67.12%	60.97%	67.83%	59.88%	54.46%	48.23%	-1,274 bps
Liquid Assets / Assets	27.50%	23.42%	25.11%	23.87%	19.51%	33.68%	32.90%	39.86%	+1,598 bps