Dupont

Antioch, CA · Charter 13773

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Antioch, CA · Charter 13773

Q2 2000

$9.5MAssets

$8.9MLoans

$9.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.99%-551 bps YoY

Net Interest Margin (YTD, annualized)

4.36%

Efficiency Ratio (YTD, annualized)

103.72%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.71%	4.50%	4.26%	4.52%	4.38%	3.30%	-8.76%	-0.99%	-551 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	3.69%	4.36%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	88.21%	103.72%	n/a
Growth
Asset Growth (YoY)	46.72%	69.11%	124.31%	101.62%	103.54%	100.63%	31.85%	8.10%	-9,352 bps
Loan Growth (YoY)	114.50%	109.30%	109.20%	100.09%	75.88%	67.80%	42.45%	21.18%	-7,891 bps
Share Growth (YoY)	57.21%	87.08%	154.18%	114.58%	114.85%	111.89%	40.42%	19.96%	-9,462 bps
Asset Quality
Delinquent Loans / Loans	0.72%	1.04%	1.11%	2.08%	1.56%	2.07%	1.46%	1.45%	-63 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	0.13%	0.34%	0.23%	0.70%	0.43%	0.95%	7.48%	4.87%	+417 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	102.83%	98.31%	89.37%	89.88%	84.18%	77.86%	90.66%	90.80%	+92 bps
Liquid Assets / Assets	2.37%	4.45%	11.34%	12.02%	15.43%	12.88%	2.05%	4.05%	-797 bps