McClellan

North Highlands, CA · Charter 11961

Q1 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: Q1 1996, the quarter ended March 31, 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.

North Highlands, CA · Charter 11961

Q1 1996

$144.9MAssets

$95.9MLoans

$126.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.73%+63 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 1995	Q2 1995	Q3 1995	Q4 1995	Q1 1996	YoY Δ	Trend
Earnings
Return on Assets	4.10%	4.27%	4.35%	4.48%	4.73%	+63 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)	-2.05%	3.92%	5.51%	8.09%	8.50%	+1,054 bps
Loan Growth (YoY)	14.17%	15.62%	15.99%	13.79%	13.53%	-64 bps
Share Growth (YoY)	1.66%	4.12%	4.38%	7.42%	6.87%	+521 bps
Asset Quality
Delinquent Loans / Loans	0.60%	0.59%	0.66%	0.83%	0.86%	+26 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.94%	0.89%	0.86%	0.82%	0.79%	-15 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	71.33%	74.32%	75.09%	75.60%	75.77%	+444 bps
Liquid Assets / Assets	24.46%	20.85%	24.14%	21.30%	15.57%	-890 bps