Castle Medical Center

Kailua, HI · Charter 17962

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Kailua, HI · Charter 17962

Q2 1998

$3.9MAssets

$2.4MLoans

$3.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.15%-368 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	2.47%	2.79%	2.66%	3.52%	2.16%	1.42%	2.48%	-0.15%	-368 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	n/a	n/a	-18.06%	-10.32%	-14.42%	-30.76%	-16.72%	+134 bps
Loan Growth (YoY)	n/a	n/a	n/a	3.39%	6.27%	3.88%	-9.29%	-23.58%	-2,698 bps
Share Growth (YoY)	n/a	n/a	n/a	-21.83%	-11.90%	-15.32%	-32.49%	-15.42%	+641 bps
Asset Quality
Delinquent Loans / Loans	1.64%	4.69%	1.73%	1.25%	3.78%	4.04%	3.53%	9.26%	+801 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	1.86%	1.98%	1.89%	1.46%	2.57%	2.75%	1.80%	4.34%	+287 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	58.50%	62.04%	62.04%	74.53%	70.56%	76.11%	83.37%	67.34%	-720 bps
Liquid Assets / Assets	39.24%	26.29%	40.08%	28.72%	26.26%	27.65%	21.64%	33.14%	+442 bps