Healthpro

Sacramento, CA · Charter 13502

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Sacramento, CA · Charter 13502

Q2 1998

$25.9MAssets

$21.1MLoans

$23.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.12%-5 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	2.62%	2.42%	1.96%	3.17%	2.82%	3.50%	3.67%	3.12%	-5 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	5.65%	5.35%	2.91%	2.61%	3.59%	-206 bps
Loan Growth (YoY)	n/a	n/a	n/a	11.10%	9.36%	5.87%	11.27%	14.56%	+347 bps
Share Growth (YoY)	n/a	n/a	n/a	7.11%	7.40%	3.73%	1.88%	1.53%	-558 bps
Asset Quality
Delinquent Loans / Loans	1.22%	1.60%	1.30%	0.64%	0.98%	0.54%	0.22%	0.14%	-49 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	0.93%	1.09%	1.49%	1.36%	1.72%	1.72%	1.47%	1.25%	-11 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	85.20%	84.70%	79.30%	78.39%	86.75%	86.45%	86.61%	88.45%	+1,006 bps
Liquid Assets / Assets	15.68%	17.88%	19.95%	21.06%	15.81%	16.47%	15.30%	14.14%	-692 bps