American National

San Leandro, CA · Charter 16907

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.

San Leandro, CA · Charter 16907

Q2 1999

$1.9MAssets

$1.2MLoans

$1.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.22%-22 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	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.44%	3.69%	3.24%	2.90%	3.22%	-22 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	10.46%	11.60%	-1.93%	-7.35%	-25.48%	-3,594 bps
Loan Growth (YoY)	14.02%	3.41%	-1.51%	-18.07%	-29.68%	-4,370 bps
Share Growth (YoY)	15.88%	12.16%	-3.47%	-8.50%	-29.06%	-4,494 bps
Asset Quality
Delinquent Loans / Loans	1.88%	1.65%	1.23%	0.60%	0.47%	-141 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.61%	1.44%	0.95%	1.05%	0.73%	-88 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	78.93%	82.34%	77.60%	76.12%	78.23%	-69 bps
Liquid Assets / Assets	18.03%	14.16%	27.14%	27.05%	29.52%	+1,149 bps