South Central People's

Los Angeles, CA · Charter 24452

Q4 1996

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 1996, the quarter ended December 31, 1996, 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.

Los Angeles, CA · Charter 24452

Q4 1996

$1.6MAssets

$766KLoans

$1.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-6.03%-305 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	-8.23%	-2.99%	-14.51%	-13.82%	-10.64%	-6.03%	-305 bps
Return on Equity	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
Efficiency Ratio	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	n/a	140.35%	33.47%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	119.37%	-21.44%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	186.38%	106.34%	n/a
Asset Quality
Delinquent Loans / Loans	2.12%	9.97%	14.91%	19.83%	24.96%	29.32%	+1,934 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.63%	1.94%	5.95%	10.23%	14.92%	21.27%	+1,932 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	62.37%	119.89%	91.81%	82.03%	47.78%	45.65%	-7,425 bps
Liquid Assets / Assets	0.00%	0.00%	1.04%	0.40%	54.89%	59.72%	+5,972 bps