S.A.F.E.

North Highlands, CA · Charter 4014

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

North Highlands, CA · Charter 4014

Q2 1998

$570.6MAssets

$327.9MLoans

$485.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.47%+23 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	Q3 1996	Q4 1996	Q1 1997	Q2 1997	Q3 1997	Q4 1997	Q1 1998	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	n/a	4.31%	3.72%	4.24%	4.30%	4.29%	4.49%	4.47%	+23 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)	49.20%	47.43%	60.11%	4.03%	3.71%	4.87%	-4.55%	5.80%	+177 bps
Loan Growth (YoY)	51.67%	50.02%	46.81%	-1.17%	0.65%	2.71%	4.50%	6.21%	+738 bps
Share Growth (YoY)	51.34%	49.52%	65.05%	4.38%	3.54%	4.47%	-6.49%	5.36%	+98 bps
Asset Quality
Delinquent Loans / Loans	1.15%	1.51%	1.62%	1.52%	1.33%	1.51%	1.29%	1.06%	-46 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	1.26%	1.55%	1.59%	1.57%	1.54%	1.66%	1.63%	1.59%	+2 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	71.20%	70.57%	60.64%	66.94%	69.22%	69.38%	67.77%	67.48%	+54 bps
Liquid Assets / Assets	20.61%	20.52%	29.64%	20.20%	16.00%	16.33%	18.42%	33.12%	+1,292 bps