Vallejo City Employees

Vallejo, CA · Charter 14514

Q4 1996

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: Q4 1996, the quarter ended December 31, 1996, 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.

Vallejo, CA · Charter 14514

Q4 1996

$4.8MAssets

$3.6MLoans

$4.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.34%+109 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	3.57%	3.25%	2.39%	1.59%	4.44%	4.34%	+109 bps
Return on Equity	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
Efficiency Ratio	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	n/a	1.88%	-2.73%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	13.04%	23.54%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	3.43%	-3.19%	n/a
Asset Quality
Delinquent Loans / Loans	3.80%	2.70%	1.49%	1.10%	1.58%	1.22%	-148 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.32%	1.19%	0.69%	2.07%	2.11%	2.22%	+103 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	70.92%	67.77%	83.36%	84.64%	77.51%	86.48%	+1,871 bps
Liquid Assets / Assets	36.08%	38.00%	24.43%	21.74%	30.50%	23.75%	-1,425 bps