Milk Drivers & Dairy Employees

Oakland, CA · Charter 60889

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Oakland, CA · Charter 60889

Q2 1996

$5.4MAssets

$2.8MLoans

$4.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.66%-11 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	3.77%	4.19%	4.56%	4.41%	3.66%	-11 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	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-3.55%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-0.24%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-6.58%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.28%	1.66%	1.78%	1.69%	2.51%	+223 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.34%	3.32%	2.96%	2.25%	2.41%	-93 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	58.93%	62.22%	65.96%	70.22%	62.93%	+400 bps
Liquid Assets / Assets	49.19%	45.95%	34.38%	36.48%	29.44%	-1,976 bps