C. I. P.

Santa Fe Spring, CA · Charter 20084

Q4 2008

$0KAssets

$0KLoans

$0KShares

$0KNet Worth

Executive Summary

Earnings: ROA of -6758700.00%, down 675,870,049 bps year over year; NIM at -6383450.00%.
Capital: net worth / assets of 0.00%, down 3,674 bps from a year ago.
Funding: loans stand at 0.00% of shares as of Q4 2008.

Return on Assets (quarter, annualized)

-6758700%-675,870,049 bps YoY

Net Interest Margin (quarter, annualized)

-6383450%-638,345,215 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

0.00%-3,674 bps YoY

Discrete quarter, annualized.

Metric	Q1 2007	Q2 2007	Q3 2007	Q4 2007	Q1 2008	Q2 2008	Q3 2008	Q4 2008	YoY Δ	Trend
Earnings
Return on Assets	-0.13%	0.25%	0.36%	0.49%	0.44%	-0.03%	-45.02%	-6758700%	-675,870,049 bps
Return on Equity	-0.35%	0.69%	0.97%	1.34%	1.19%	-0.07%	-2886%	n/a	n/a
Net Interest Margin	0.52%	2.47%	2.42%	2.15%	2.82%	2.27%	-42.80%	-6383450%	-638,345,215 bps
Efficiency Ratio	122.48%	90.03%	85.40%	77.36%	84.32%	101.12%	n/a	n/a	n/a
Growth
Asset Growth (YoY)	-19.72%	-19.77%	-8.32%	0.73%	-2.90%	3.45%	4.32%	-100.00%	-10,073 bps
Loan Growth (YoY)	-100.00%	-100.00%	-100.00%	-100.00%	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	-27.76%	-28.25%	-13.08%	0.37%	-5.37%	5.07%	59.32%	-100.00%	-10,036 bps
Asset Quality
Delinquent Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
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	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Risk-Based Capital	35.38%	36.51%	36.65%	36.74%	37.03%	35.63%	1.56%	0.00%	-3,674 bps
Net Worth / Assets	35.38%	36.51%	36.65%	36.74%	37.03%	35.63%	1.56%	0.00%	-3,674 bps
Liquidity & Funding
Loans / Shares	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps