Kearny Mesa

San Diego, CA · Charter 3406

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.

San Diego, CA · Charter 3406

Q4 1997

$103.8MAssets

$57.6MLoans

$92.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.44%+13 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	Q1 1996	Q2 1996	Q3 1996	Q4 1996	Q1 1997	Q2 1997	Q3 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.17%	4.26%	n/a	4.32%	4.25%	4.41%	4.49%	4.44%	+13 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)	10.66%	7.73%	5.80%	5.09%	3.32%	3.47%	5.05%	8.54%	+345 bps
Loan Growth (YoY)	8.25%	8.32%	10.10%	13.81%	7.27%	5.38%	12.32%	17.78%	+397 bps
Share Growth (YoY)	9.61%	7.79%	5.76%	4.93%	2.80%	2.73%	4.23%	8.13%	+320 bps
Asset Quality
Delinquent Loans / Loans	0.62%	0.78%	0.85%	0.63%	0.29%	0.41%	0.50%	0.41%	-22 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	0.73%	0.77%	0.79%	0.80%	0.96%	1.11%	1.07%	1.05%	+25 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	52.02%	53.62%	55.00%	57.34%	54.28%	55.00%	59.27%	62.45%	+511 bps
Liquid Assets / Assets	37.82%	34.16%	35.13%	30.55%	32.35%	34.03%	28.19%	26.25%	-429 bps