Po Tel

Pomona, CA · Charter 2125

Q4 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: Q4 1998, the quarter ended December 31, 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.

Pomona, CA · Charter 2125

Q4 1998

$25.4MAssets

$15.1MLoans

$21.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.05%-30 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.05%	4.33%	3.48%	3.35%	3.42%	3.37%	2.74%	3.05%	-30 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	0.94%	-0.51%	-5.43%	-5.10%	0.66%	8.26%	+877 bps
Loan Growth (YoY)	n/a	n/a	3.68%	-9.83%	-10.48%	-9.09%	-12.24%	-7.52%	+231 bps
Share Growth (YoY)	n/a	n/a	-0.45%	-2.79%	-7.15%	-6.32%	1.55%	10.63%	+1,341 bps
Asset Quality
Delinquent Loans / Loans	1.18%	1.38%	1.35%	1.34%	2.25%	1.89%	0.77%	0.64%	-71 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	1.07%	0.73%	1.22%	1.59%	2.58%	2.26%	2.09%	2.20%	+61 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	88.99%	87.14%	82.95%	82.86%	85.80%	84.57%	71.68%	69.26%	-1,359 bps
Liquid Assets / Assets	19.68%	21.05%	24.98%	24.77%	15.79%	14.50%	19.59%	25.02%	+25 bps