American River

Orangevale, CA · Charter 10277

Q1 1998

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: Q1 1998, the quarter ended March 31, 1998, 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.

Orangevale, CA · Charter 10277

Q1 1998

$66.1MAssets

$49.3MLoans

$57.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.68%-35 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	Q1 1997	Q2 1997	Q3 1997	Q4 1997	Q1 1998	YoY Δ	Trend
Earnings
Return on Assets	4.03%	4.09%	4.21%	4.30%	3.68%	-35 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)	6.41%	6.24%	5.77%	5.85%	3.94%	-247 bps
Loan Growth (YoY)	1.53%	2.79%	5.59%	6.41%	6.74%	+522 bps
Share Growth (YoY)	5.41%	6.06%	4.89%	4.95%	3.41%	-200 bps
Asset Quality
Delinquent Loans / Loans	0.72%	0.70%	1.00%	0.90%	0.59%	-12 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.71%	0.74%	0.74%	0.65%	0.62%	-9 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	82.92%	82.08%	84.55%	86.19%	85.60%	+267 bps
Liquid Assets / Assets	11.95%	11.00%	6.75%	7.54%	9.59%	-236 bps