First Financial

West Covina, CA · Charter 21576

Q1 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: Q1 1999, the quarter ended March 31, 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.

West Covina, CA · Charter 21576

Q1 1999

$439.2MAssets

$329.3MLoans

$393.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.12%-49 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 1997	Q3 1997	Q4 1997	Q1 1998	Q2 1998	Q3 1998	Q4 1998	Q1 1999	YoY Δ	Trend
Earnings
Return on Assets	4.60%	4.85%	4.72%	4.62%	4.42%	4.73%	4.55%	4.12%	-49 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)	9.36%	10.97%	10.82%	12.84%	15.72%	13.64%	16.52%	14.24%	+140 bps
Loan Growth (YoY)	9.46%	9.63%	9.82%	10.55%	11.99%	12.56%	18.06%	24.50%	+1,395 bps
Share Growth (YoY)	8.41%	6.92%	8.34%	12.50%	15.93%	16.98%	18.83%	14.53%	+203 bps
Asset Quality
Delinquent Loans / Loans	0.71%	0.72%	0.65%	0.74%	0.79%	0.61%	0.60%	0.97%	+23 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	0.93%	0.80%	0.65%	0.55%	0.53%	0.42%	0.48%	0.42%	-13 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	77.18%	88.57%	86.93%	76.98%	74.56%	85.23%	86.37%	83.68%	+670 bps
Liquid Assets / Assets	15.98%	7.29%	10.18%	18.17%	20.36%	13.32%	13.04%	16.55%	-161 bps