Firefund

Novato, CA · Charter 12708

Q4 1995

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 1995, the quarter ended December 31, 1995, 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.

Novato, CA · Charter 12708

Q4 1995

$59.6MAssets

$16.0MLoans

$54.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.78%-4 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 1994	Q2 1994	Q3 1994	Q4 1994	Q1 1995	Q2 1995	Q3 1995	Q4 1995	YoY Δ	Trend
Earnings
Return on Assets	3.48%	3.85%	4.03%	3.82%	3.55%	3.53%	3.66%	3.78%	-4 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	n/a	n/a	n/a	-6.17%	-8.44%	-5.39%	-3.73%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	3.21%	4.73%	1.77%	6.39%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-6.81%	-9.14%	-5.93%	-4.49%	n/a
Asset Quality
Delinquent Loans / Loans	1.35%	0.94%	0.78%	0.47%	0.30%	0.39%	0.36%	0.19%	-28 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%	0.85%	0.65%	0.99%	0.97%	1.04%	0.99%	1.02%	+3 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	23.76%	23.37%	25.52%	26.09%	26.32%	26.94%	27.60%	29.06%	+297 bps
Liquid Assets / Assets	28.28%	37.34%	31.37%	35.40%	29.46%	25.82%	23.30%	33.18%	-222 bps