Los Robles Bank

Thousand Oaks, CA · Cert 27008

FDIC

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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.

Thousand Oaks, CA · Cert 27008

FDIC

Q1 2001

$178.3MAssets

$113.9MLoans

$163.0MDeposits

$12.7MEquity

Loan mix

Deposit mix

Earnings: ROA of 0.76%, down 80 bps year over year; NIM at 5.38%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.96%.
Funding: loans stand at 69.90% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.76%-80 bps YoY

Net Interest Margin (YTD, annualized)

5.38%

n/a

Efficiency Ratio (YTD, annualized)

51.66%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	1.22%	1.31%	1.44%	1.57%	1.69%	0.90%	1.41%	0.76%	-80 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	5.38%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	51.66%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.45%	n/a	n/a
Growth
Asset Growth (YoY)	18.64%	9.10%	8.24%	10.78%	4.08%	10.58%	16.31%	10.38%	-40 bps
Loan Growth (YoY)	32.89%	32.26%	21.99%	22.86%	10.02%	3.38%	3.09%	4.73%	-1,814 bps
Deposit Growth (YoY)	19.07%	8.38%	6.18%	10.20%	2.52%	9.76%	19.74%	11.80%	+160 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.96%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.05%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	10.72%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.14%	n/a	n/a
Liquidity & Funding
Loans / Deposits	67.72%	73.91%	78.41%	74.63%	72.67%	69.62%	67.51%	69.90%	-472 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a