Tang

Dallas, TX · Charter 9504

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.

Dallas, TX · Charter 9504

Q4 1996

$2.1MAssets

$1.6MLoans

$1.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.91%-181 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	3.72%	4.34%	4.07%	3.36%	1.91%	-181 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	-4.61%	-10.88%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	3.44%	-10.93%	n/a
Share Growth (YoY)	n/a	n/a	n/a	-7.06%	-8.64%	n/a
Asset Quality
Delinquent Loans / Loans	0.18%	1.42%	0.06%	0.30%	0.56%	+38 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.36%	0.30%	0.21%	0.25%	1.07%	+71 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	93.57%	99.04%	91.99%	96.30%	91.23%	-235 bps
Liquid Assets / Assets	10.38%	9.46%	15.25%	11.90%	12.79%	+241 bps