Pacific Life

Newport Beach, CA · Charter 3321

Q2 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: Q2 1999, the quarter ended June 30, 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.

Newport Beach, CA · Charter 3321

Q2 1999

$18.1MAssets

$7.9MLoans

$16.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.47%-17 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	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.14%	4.46%	4.57%	3.64%	3.93%	3.32%	2.94%	3.47%	-17 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	9.40%	10.37%	9.03%	3.96%	8.92%	22.91%	22.40%	+1,337 bps
Loan Growth (YoY)	n/a	-0.88%	-0.63%	2.08%	4.90%	15.91%	26.39%	14.17%	+1,208 bps
Share Growth (YoY)	n/a	8.00%	8.76%	8.06%	2.68%	8.12%	25.07%	24.99%	+1,693 bps
Asset Quality
Delinquent Loans / Loans	3.76%	1.00%	2.34%	0.93%	1.03%	0.44%	0.22%	0.28%	-65 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	1.58%	1.70%	1.65%	1.58%	1.47%	1.24%	0.90%	0.95%	-63 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	59.62%	50.69%	54.47%	53.59%	60.91%	54.34%	55.05%	48.95%	-464 bps
Liquid Assets / Assets	22.80%	22.85%	9.00%	21.13%	29.42%	17.52%	24.54%	16.61%	-452 bps