Peninsula Herald

Monterey, CA · Charter 15208

Q2 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: Q2 1999, the quarter ended June 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.

Monterey, CA · Charter 15208

Q2 1999

$667KAssets

$535KLoans

$608KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.77%-252 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.99%	3.72%	4.14%	3.29%	3.50%	-0.24%	1.91%	0.77%	-252 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	-9.35%	-22.99%	-19.00%	-16.68%	-15.16%	-11.19%	-11.45%	+755 bps
Loan Growth (YoY)	n/a	33.88%	32.03%	4.71%	-6.93%	-7.40%	-6.99%	-0.64%	-535 bps
Share Growth (YoY)	n/a	-11.26%	-25.81%	-21.63%	-19.26%	-15.94%	-11.68%	-10.54%	+1,109 bps
Asset Quality
Delinquent Loans / Loans	2.52%	0.84%	5.47%	8.29%	8.34%	3.31%	1.21%	2.15%	-614 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	1.45%	1.38%	1.37%	1.61%	1.57%	0.84%	0.81%	1.00%	-60 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	72.01%	79.61%	90.96%	79.28%	83.00%	87.69%	95.80%	88.05%	+877 bps
Liquid Assets / Assets	27.65%	16.46%	13.61%	19.99%	20.77%	14.33%	8.03%	17.04%	-295 bps