Pacific Trust

Chula Vista, CA · Charter 4449

Q4 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: Q4 1999, the quarter ended December 31, 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.

Chula Vista, CA · Charter 4449

Q4 1999

$224.0MAssets

$148.2MLoans

$199.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.17%-440 bps YoY

Net Interest Margin (YTD, annualized)

3.64%

Efficiency Ratio (YTD, annualized)

69.47%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1998	Q1 1999	Q2 1999	Q3 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	5.57%	4.44%	4.54%	1.22%	1.17%	-440 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	3.55%	3.64%	n/a
Efficiency Ratio	n/a	n/a	n/a	68.30%	69.47%	n/a
Growth
Asset Growth (YoY)	4.09%	5.47%	2.55%	1.46%	-2.14%	-622 bps
Loan Growth (YoY)	-6.33%	-7.03%	2.28%	3.00%	4.37%	+1,070 bps
Share Growth (YoY)	2.18%	3.77%	1.57%	0.50%	-3.31%	-548 bps
Asset Quality
Delinquent Loans / Loans	1.06%	0.38%	0.30%	0.17%	0.24%	-82 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.73%	0.73%	0.72%	0.82%	0.87%	+14 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	68.91%	67.65%	70.31%	71.35%	74.38%	+547 bps
Liquid Assets / Assets	22.59%	22.17%	16.73%	0.99%	2.55%	-2,005 bps