Medtronic Employees

Anaheim, CA · Charter 23039

Q4 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: Q4 1999, the quarter ended December 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.

Anaheim, CA · Charter 23039

Q4 1999

$1.7MAssets

$1.6MLoans

$1.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.00%-550 bps YoY

Net Interest Margin (YTD, annualized)

7.37%

n/a

Efficiency Ratio (YTD, annualized)

66.71%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	5.98%	6.03%	5.38%	5.50%	5.45%	4.74%	4.08%	0.00%	-550 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	7.37%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	66.71%	n/a	n/a
Growth
Asset Growth (YoY)	50.33%	79.87%	69.49%	63.84%	51.20%	31.96%	9.41%	6.97%	-5,687 bps
Loan Growth (YoY)	88.29%	91.04%	92.17%	29.13%	44.68%	42.74%	-0.69%	34.76%	+563 bps
Share Growth (YoY)	51.12%	82.51%	62.70%	60.27%	47.69%	28.07%	9.51%	0.17%	-6,010 bps
Asset Quality
Delinquent Loans / Loans	0.51%	2.19%	1.54%	3.20%	2.17%	3.64%	4.31%	3.97%	+77 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	1.94%	2.29%	2.27%	2.66%	1.92%	1.97%	2.69%	2.54%	-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	97.75%	97.40%	109.65%	85.60%	95.76%	108.56%	99.44%	115.16%	+2,956 bps
Liquid Assets / Assets	10.63%	7.63%	0.45%	13.13%	11.76%	0.00%	0.00%	0.00%	-1,313 bps