Dow-Fresno

Fresno, CA · Charter 16565

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.

Fresno, CA · Charter 16565

Q4 1996

$1.1MAssets

$1.0MLoans

$912KShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.27%-41 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	5.44%	5.68%	4.87%	5.56%	4.49%	5.27%	-41 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	4.11%	-12.50%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	17.87%	-6.64%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	3.35%	-15.53%	n/a
Asset Quality
Delinquent Loans / Loans	0.43%	0.41%	0.54%	1.92%	0.04%	3.34%	+293 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.80%	1.49%	1.92%	1.45%	2.50%	4.47%	+298 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	88.29%	99.71%	83.74%	97.04%	100.70%	110.21%	+1,050 bps
Liquid Assets / Assets	16.48%	9.21%	23.18%	12.09%	8.87%	5.25%	-396 bps