CWA

Paramount, CA · Charter 22690

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Paramount, CA · Charter 22690

Q2 2000

$837KAssets

$419KLoans

$674KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.44%-372 bps YoY

Net Interest Margin (YTD, annualized)

5.49%

Efficiency Ratio (YTD, annualized)

63.44%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.20%	3.22%	2.52%	3.28%	3.86%	3.33%	0.96%	-0.44%	-372 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	4.88%	5.49%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	73.67%	63.44%	n/a
Growth
Asset Growth (YoY)	-14.34%	-9.88%	65.10%	50.96%	40.41%	40.89%	-9.00%	-19.26%	-7,022 bps
Loan Growth (YoY)	-14.39%	5.02%	44.94%	-4.45%	1.97%	17.39%	-19.35%	-9.00%	-455 bps
Share Growth (YoY)	-19.77%	-13.57%	77.23%	59.37%	48.11%	46.02%	-12.77%	-23.50%	-8,287 bps
Asset Quality
Delinquent Loans / Loans	0.47%	1.26%	0.52%	0.99%	0.16%	1.39%	7.91%	8.30%	+731 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	1.71%	1.93%	0.87%	1.39%	0.94%	0.80%	1.51%	4.20%	+281 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	83.70%	79.37%	61.61%	52.21%	57.63%	63.81%	56.96%	62.11%	+990 bps
Liquid Assets / Assets	11.30%	29.42%	43.38%	50.08%	47.21%	41.86%	40.22%	29.85%	-2,023 bps