Golden Bear

Bakersfield, CA · Charter 11199

Q2 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: Q2 1999, the quarter ended June 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.

Bakersfield, CA · Charter 11199

Q2 1999

$212KAssets

$62KLoans

$148KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.15%-261 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.98%	2.80%	1.99%	2.46%	1.76%	-0.50%	0.74%	-0.15%	-261 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	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	4.84%	-12.04%	13.37%	-27.36%	-26.82%	-29.70%	-27.91%	-4,128 bps
Loan Growth (YoY)	n/a	-23.90%	-29.22%	-48.30%	-57.67%	-30.05%	-49.11%	-27.14%	+2,117 bps
Share Growth (YoY)	n/a	4.78%	-15.84%	10.02%	-35.73%	-38.51%	-41.56%	-31.33%	-4,136 bps
Asset Quality
Delinquent Loans / Loans	0.33%	0.00%	1.90%	2.12%	4.15%	2.84%	1.36%	0.00%	-212 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	1.54%	1.60%	1.53%	2.44%	3.18%	3.08%	2.42%	1.42%	-102 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	72.88%	51.10%	56.41%	39.72%	48.00%	58.14%	49.11%	42.15%	+243 bps
Liquid Assets / Assets	0.00%	41.53%	43.37%	52.51%	57.90%	46.24%	59.55%	66.34%	+1,383 bps