First Entertainment

Hollywood, CA · Charter 18492

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.

Hollywood, CA · Charter 18492

Q2 1998

$198.8MAssets

$144.9MLoans

$177.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.65%-13 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	Q3 1996	Q4 1996	Q1 1997	Q2 1997	Q3 1997	Q4 1997	Q1 1998	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	n/a	4.44%	4.90%	4.78%	4.82%	4.62%	4.81%	4.65%	-13 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)	16.44%	16.63%	15.06%	14.56%	11.92%	13.30%	15.28%	15.11%	+55 bps
Loan Growth (YoY)	13.05%	18.94%	18.23%	15.54%	14.02%	11.83%	12.01%	11.43%	-410 bps
Share Growth (YoY)	16.01%	16.04%	14.32%	13.77%	10.69%	12.63%	14.63%	14.46%	+69 bps
Asset Quality
Delinquent Loans / Loans	0.56%	0.47%	0.45%	0.39%	0.42%	0.54%	0.70%	0.45%	+6 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	0.56%	0.53%	0.51%	0.45%	0.44%	0.50%	0.52%	0.49%	+4 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	83.50%	84.23%	84.33%	84.02%	86.01%	83.64%	82.40%	81.80%	-222 bps
Liquid Assets / Assets	18.13%	16.95%	18.22%	19.50%	18.03%	18.42%	20.06%	21.37%	+187 bps