Star Markets

Honolulu, HI · Charter 16057

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.

Honolulu, HI · Charter 16057

Q2 1999

$2.8MAssets

$1.0MLoans

$1.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.81%-79 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	3.79%	3.40%	-0.94%	3.60%	4.09%	3.41%	3.19%	2.81%	-79 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	-16.98%	-18.00%	13.47%	-0.96%	-7.72%	-4.61%	-21.42%	-3,488 bps
Loan Growth (YoY)	n/a	-5.71%	-10.44%	-12.08%	-22.02%	-34.05%	-37.10%	-18.16%	-608 bps
Share Growth (YoY)	n/a	-24.63%	-26.52%	-16.72%	-13.27%	-12.87%	-7.70%	-2.37%	+1,435 bps
Asset Quality
Delinquent Loans / Loans	5.59%	5.74%	4.89%	2.99%	1.32%	1.61%	2.73%	0.92%	-207 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	7.28%	8.15%	7.48%	7.86%	8.86%	11.94%	13.44%	12.92%	+506 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	64.38%	66.16%	71.64%	66.64%	57.89%	50.08%	48.82%	55.86%	-1,078 bps
Liquid Assets / Assets	24.41%	22.26%	11.68%	35.01%	35.32%	48.34%	52.07%	46.80%	+1,179 bps