Bay Area Columbian

Sunnyvale, CA · Charter 24527

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Sunnyvale, CA · Charter 24527

Q4 1997

$809KAssets

$481KLoans

$684KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.53%+65 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.89%	3.63%	3.63%	5.03%	4.53%	+65 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	17.08%	4.11%	-5.46%	n/a
Loan Growth (YoY)	n/a	n/a	21.59%	10.86%	-5.03%	n/a
Share Growth (YoY)	n/a	n/a	18.17%	3.64%	-7.52%	n/a
Asset Quality
Delinquent Loans / Loans	5.69%	2.67%	4.14%	1.32%	10.78%	+509 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.15%	2.31%	2.82%	2.13%	2.59%	+44 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	68.41%	61.71%	66.83%	76.59%	70.24%	+184 bps
Liquid Assets / Assets	37.01%	35.03%	35.52%	29.59%	32.59%	-443 bps