Washington Square

San Jose, CA · Charter 24276

Q2 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: Q2 1998, the quarter ended June 30, 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.

San Jose, CA · Charter 24276

Q2 1998

$343KAssets

$92KLoans

$300KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.96%-141 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.34%	3.72%	3.57%	4.37%	4.16%	4.39%	4.14%	2.96%	-141 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	n/a	17.38%	27.40%	19.22%	3.64%	-3.89%	-2,127 bps
Loan Growth (YoY)	n/a	n/a	n/a	21.17%	43.79%	9.15%	-1.76%	-36.89%	-5,806 bps
Share Growth (YoY)	n/a	n/a	n/a	16.56%	27.55%	17.05%	0.65%	-6.89%	-2,346 bps
Asset Quality
Delinquent Loans / Loans	8.56%	1.55%	8.00%	6.48%	2.04%	1.45%	7.22%	6.91%	+43 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	5.72%	6.66%	8.45%	5.75%	5.43%	6.91%	8.81%	6.90%	+116 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	43.51%	54.09%	41.59%	45.25%	49.04%	50.44%	40.59%	30.67%	-1,458 bps
Liquid Assets / Assets	35.92%	34.06%	41.57%	45.23%	45.15%	40.03%	49.12%	62.94%	+1,772 bps