1st Pacific

Vallejo, CA · Charter 1119

Q3 1999

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: Q3 1999, the quarter ended September 30, 1999, 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.

Vallejo, CA · Charter 1119

Q3 1999

$103.9MAssets

$86.5MLoans

$95.3MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.81%-259 bps YoY

Net Interest Margin (YTD, annualized)

4.54%

Efficiency Ratio (YTD, annualized)

74.46%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1998	Q4 1998	Q1 1999	Q2 1999	Q3 1999	YoY Δ	Trend
Earnings
Return on Assets	3.40%	3.23%	3.31%	3.48%	0.81%	-259 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	4.54%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	74.46%	n/a	n/a
Growth
Asset Growth (YoY)	1.59%	7.52%	4.80%	6.16%	4.68%	+309 bps
Loan Growth (YoY)	1.36%	0.32%	2.19%	4.75%	9.28%	+793 bps
Share Growth (YoY)	2.22%	7.88%	4.93%	6.33%	4.25%	+203 bps
Asset Quality
Delinquent Loans / Loans	0.76%	0.85%	0.68%	0.58%	0.50%	-26 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.41%	1.38%	1.25%	1.21%	1.20%	-21 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	86.59%	83.91%	83.73%	85.37%	90.77%	+418 bps
Liquid Assets / Assets	13.77%	13.10%	7.34%	6.67%	2.04%	-1,173 bps