Laire

Rancho Cucamong, CA · Charter 575

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.

Rancho Cucamong, CA · Charter 575

Q2 1999

$49.1MAssets

$18.0MLoans

$41.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.91%-14 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	4.21%	4.10%	3.85%	4.05%	3.95%	3.49%	3.83%	3.91%	-14 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)	-3.94%	-3.05%	-3.98%	-2.02%	-1.62%	0.34%	-1.78%	0.60%	+262 bps
Loan Growth (YoY)	-2.11%	-6.53%	-3.94%	-8.68%	-10.93%	-15.86%	-25.22%	-30.31%	-2,163 bps
Share Growth (YoY)	-4.04%	-4.30%	-4.96%	-2.96%	-2.59%	0.11%	-2.73%	-0.17%	+279 bps
Asset Quality
Delinquent Loans / Loans	1.00%	0.86%	1.01%	1.49%	1.55%	0.79%	0.69%	0.64%	-86 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	1.44%	1.39%	2.27%	2.12%	2.09%	2.02%	2.23%	2.68%	+56 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	65.65%	62.93%	65.27%	61.58%	60.03%	52.89%	50.18%	42.99%	-1,859 bps
Liquid Assets / Assets	21.35%	35.32%	27.29%	25.00%	18.30%	27.82%	30.62%	41.70%	+1,669 bps