Redstone

Houston, TX · Charter 68233

Q2 2000

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 2000, the quarter ended June 30, 2000, 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 68233

Q2 2000

$32KAssets

$0KLoans

$0KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-90.46%-9,186 bps YoY

Net Interest Margin (YTD, annualized)

289%

Efficiency Ratio (YTD, annualized)

136.19%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	0.81%	1.12%	1.40%	1.60%	1.48%	0.53%	-90.46%	-9,186 bps
Return on Equity	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	5.36%	289%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	87.92%	136.19%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	36.65%	22.63%	-98.36%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-51.90%	-36.85%	-100.00%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	568%	140.14%	-100.00%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.15%	0.00%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.00%	0.00%	0.00%	0.00%	0.13%	0.47%	n/a	n/a
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	1455%	427%	184.70%	105.51%	104.76%	112.23%	n/a	n/a
Liquid Assets / Assets	7.93%	31.88%	56.27%	64.91%	64.41%	45.51%	0.00%	-5,627 bps