Chino Valley

Chino, CA · Charter 13937

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.

Chino, CA · Charter 13937

Q2 1998

$7.4MAssets

$6.8MLoans

$6.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.54%-188 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	4.77%	5.01%	4.35%	2.42%	0.75%	2.28%	2.52%	0.54%	-188 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	17.68%	14.50%	32.59%	33.19%	11.94%	-574 bps
Loan Growth (YoY)	n/a	n/a	n/a	39.31%	54.65%	69.34%	66.70%	41.03%	+172 bps
Share Growth (YoY)	n/a	n/a	n/a	13.71%	15.31%	42.84%	41.56%	19.66%	+595 bps
Asset Quality
Delinquent Loans / Loans	2.92%	2.72%	2.04%	1.69%	1.26%	1.74%	1.78%	4.54%	+285 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	1.27%	1.50%	1.57%	1.37%	1.84%	1.79%	2.15%	1.94%	+57 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	81.78%	81.60%	87.49%	84.42%	109.69%	96.73%	103.03%	99.49%	+1,508 bps
Liquid Assets / Assets	4.49%	5.25%	11.16%	14.25%	4.04%	6.41%	6.33%	6.61%	-764 bps