California Delta

Byron, CA · Charter 10798

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.

Byron, CA · Charter 10798

Q2 2000

$1.3MAssets

$753KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-9.41%-1,390 bps YoY

Net Interest Margin (YTD, annualized)

-1.55%

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	5.22%	5.09%	5.00%	4.49%	4.46%	4.55%	0.43%	-9.41%	-1,390 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	3.11%	-1.55%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	83.59%	n/a	n/a	n/a
Growth
Asset Growth (YoY)	11.24%	-2.02%	-5.90%	-4.10%	-2.61%	5.38%	10.25%	-3.12%	+98 bps
Loan Growth (YoY)	33.20%	6.29%	0.74%	-12.89%	-27.28%	-27.90%	-19.37%	-17.23%	-434 bps
Share Growth (YoY)	0.25%	-4.88%	-9.04%	-5.71%	5.11%	5.70%	10.28%	0.68%	+639 bps
Asset Quality
Delinquent Loans / Loans	0.17%	1.48%	1.97%	1.97%	1.41%	3.95%	5.16%	1.66%	-31 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	0.26%	0.31%	0.74%	1.02%	0.87%	1.09%	0.33%	3.91%	+289 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	110.08%	101.83%	95.99%	82.94%	76.16%	69.46%	70.18%	68.19%	-1,475 bps
Liquid Assets / Assets	13.37%	12.75%	14.48%	23.21%	31.91%	40.84%	35.11%	24.38%	+117 bps