Telesis

Chatsworth, CA · Charter 16665

Q1 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: Q1 1999, the quarter ended March 31, 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.

Chatsworth, CA · Charter 16665

Q1 1999

$196.9MAssets

$136.2MLoans

$178.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.15%-36 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 1997	Q3 1997	Q4 1997	Q1 1998	Q2 1998	Q3 1998	Q4 1998	Q1 1999	YoY Δ	Trend
Earnings
Return on Assets	4.32%	4.31%	4.39%	4.51%	4.40%	4.40%	4.31%	4.15%	-36 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)	5.28%	6.59%	9.17%	11.15%	14.45%	13.51%	15.99%	14.79%	+364 bps
Loan Growth (YoY)	22.83%	11.80%	11.92%	13.11%	9.53%	9.54%	18.71%	19.53%	+642 bps
Share Growth (YoY)	5.31%	7.71%	9.47%	11.50%	15.34%	14.41%	16.90%	15.77%	+426 bps
Asset Quality
Delinquent Loans / Loans	0.54%	0.58%	0.55%	0.60%	0.55%	0.58%	0.50%	0.49%	-11 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	0.49%	0.48%	0.51%	0.53%	0.59%	0.59%	0.56%	0.55%	+2 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	74.76%	75.30%	74.27%	73.84%	70.99%	72.09%	75.42%	76.24%	+240 bps
Liquid Assets / Assets	21.24%	20.74%	23.57%	24.58%	29.95%	29.56%	26.50%	21.09%	-349 bps