Technology

San Jose, CA · Charter 13767

Q3 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: Q3 1998, the quarter ended September 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.

San Jose, CA · Charter 13767

Q3 1998

$506.3MAssets

$325.1MLoans

$448.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.24%+7 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 1996	Q1 1997	Q2 1997	Q3 1997	Q4 1997	Q1 1998	Q2 1998	Q3 1998	YoY Δ	Trend
Earnings
Return on Assets	4.03%	4.10%	4.24%	4.17%	4.16%	4.18%	4.24%	4.24%	+7 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)	10.52%	10.91%	10.12%	13.15%	11.90%	11.61%	13.27%	10.62%	-253 bps
Loan Growth (YoY)	29.80%	27.50%	12.99%	12.57%	15.64%	17.54%	16.77%	14.88%	+231 bps
Share Growth (YoY)	9.46%	9.67%	8.79%	12.26%	11.09%	10.94%	10.19%	7.35%	-492 bps
Asset Quality
Delinquent Loans / Loans	0.25%	0.43%	0.37%	0.33%	0.30%	0.28%	0.29%	0.36%	+3 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	0.76%	0.88%	0.92%	0.96%	0.97%	1.02%	1.02%	0.99%	+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	67.76%	65.08%	67.24%	67.79%	70.54%	68.95%	71.26%	72.54%	+476 bps
Liquid Assets / Assets	21.41%	24.67%	21.98%	21.09%	20.98%	25.23%	20.67%	21.75%	+67 bps