Chevron Employees

Tempe, AZ · Charter 1873

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.

Tempe, AZ · Charter 1873

Q2 1999

$2.7MAssets

$1.8MLoans

$2.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.84%-61 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	5.48%	4.87%	4.83%	4.45%	4.77%	3.75%	4.13%	3.84%	-61 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	9.27%	10.56%	15.29%	3.03%	-10.75%	-10.13%	-13.92%	-2,921 bps
Loan Growth (YoY)	n/a	34.34%	14.65%	-0.91%	-23.37%	-24.02%	-23.42%	-16.39%	-1,547 bps
Share Growth (YoY)	n/a	6.22%	8.45%	14.98%	2.19%	-12.59%	-11.93%	-16.00%	-3,098 bps
Asset Quality
Delinquent Loans / Loans	1.49%	0.90%	0.65%	3.63%	1.68%	0.11%	0.62%	0.92%	-271 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	4.25%	3.91%	3.88%	4.56%	4.59%	4.79%	5.14%	4.88%	+31 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	110.41%	89.29%	81.94%	76.96%	82.80%	77.62%	71.25%	76.60%	-36 bps
Liquid Assets / Assets	3.99%	22.11%	27.53%	32.00%	29.08%	33.29%	38.76%	32.68%	+69 bps