Premier America

Chatsworth, CA · Charter 12045

Q4 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: Q4 1999, the quarter ended December 31, 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.

Chatsworth, CA · Charter 12045

Q4 1999

$509.1MAssets

$388.8MLoans

$458.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.96%-293 bps YoY

Net Interest Margin (YTD, annualized)

3.59%

Efficiency Ratio (YTD, annualized)

65.76%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1998	Q1 1999	Q2 1999	Q3 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.89%	3.81%	3.93%	0.84%	0.96%	-293 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	3.50%	3.59%	n/a
Efficiency Ratio	n/a	n/a	n/a	66.33%	65.76%	n/a
Growth
Asset Growth (YoY)	16.19%	14.42%	12.64%	9.80%	4.37%	-1,182 bps
Loan Growth (YoY)	18.44%	14.74%	9.69%	16.57%	19.16%	+72 bps
Share Growth (YoY)	17.36%	15.21%	13.21%	10.06%	4.00%	-1,336 bps
Asset Quality
Delinquent Loans / Loans	0.62%	0.52%	0.50%	0.54%	0.68%	+7 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.97%	1.06%	1.00%	0.98%	0.91%	-6 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	74.05%	73.73%	76.33%	80.27%	84.85%	+1,080 bps
Liquid Assets / Assets	16.60%	16.28%	14.69%	11.64%	9.59%	-701 bps