Arco

Los Angeles, CA · Charter 1437

Q3 1999

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 1999, the quarter ended September 30, 1999, 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.

Los Angeles, CA · Charter 1437

Q3 1999

$82.5MAssets

$46.8MLoans

$71.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.33%-404 bps YoY

Net Interest Margin (YTD, annualized)

2.98%

n/a

Efficiency Ratio (YTD, annualized)

90.25%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q1 1998	Q2 1998	Q3 1998	Q4 1998	Q1 1999	Q2 1999	Q3 1999	YoY Δ	Trend
Earnings
Return on Assets	4.63%	4.16%	4.32%	4.36%	4.28%	3.94%	3.94%	0.33%	-404 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	2.98%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	90.25%	n/a	n/a
Growth
Asset Growth (YoY)	1.74%	0.99%	2.12%	1.68%	3.84%	5.24%	3.99%	3.26%	+158 bps
Loan Growth (YoY)	-3.75%	-5.63%	-9.99%	-2.10%	4.18%	13.53%	24.20%	21.18%	+2,327 bps
Share Growth (YoY)	1.06%	0.37%	1.91%	1.12%	3.21%	4.86%	3.52%	3.11%	+199 bps
Asset Quality
Delinquent Loans / Loans	1.12%	1.04%	0.92%	0.84%	0.16%	0.23%	0.25%	0.22%	-62 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	0.99%	1.08%	1.01%	0.83%	0.82%	0.71%	0.59%	0.56%	-28 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	55.68%	52.50%	50.89%	55.89%	56.20%	56.84%	61.06%	65.68%	+979 bps
Liquid Assets / Assets	24.65%	21.71%	14.31%	15.39%	20.41%	21.04%	21.18%	19.57%	+418 bps