Hunter Park

Riverside, CA · Charter 10366

Q2 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: Q2 1996, the quarter ended June 30, 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.

Riverside, CA · Charter 10366

Q2 1996

$4.3MAssets

$2.5MLoans

$4.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.99%-238 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	YoY Δ	Trend
Earnings
Return on Assets	3.37%	3.18%	2.34%	2.53%	0.99%	-238 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	n/a	-25.87%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-7.66%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-25.01%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	5.42%	5.07%	4.45%	3.95%	3.21%	-221 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.81%	1.46%	1.71%	1.95%	2.43%	+62 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	50.17%	51.15%	56.94%	59.14%	61.77%	+1,161 bps
Liquid Assets / Assets	29.59%	27.38%	14.50%	21.89%	37.89%	+830 bps