Riverside County

Riverside, CA · Charter 6119

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.

Riverside, CA · Charter 6119

Q2 1998

$85.4MAssets

$62.3MLoans

$78.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.13%-114 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	3.66%	3.61%	3.27%	3.42%	3.54%	2.43%	2.13%	-114 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)	-8.90%	-6.54%	-2.91%	-0.58%	-0.54%	1.50%	2.50%	4.06%	+463 bps
Loan Growth (YoY)	-8.55%	-5.78%	-4.19%	-0.60%	5.54%	6.05%	3.53%	4.99%	+560 bps
Share Growth (YoY)	-10.52%	-7.36%	-4.07%	-1.43%	-1.56%	0.82%	2.15%	3.75%	+518 bps
Asset Quality
Delinquent Loans / Loans	1.07%	0.83%	0.62%	0.75%	0.63%	0.26%	0.05%	0.26%	-49 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	1.64%	1.52%	1.37%	1.49%	1.42%	1.30%	1.50%	1.57%	+8 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	81.16%	83.20%	80.58%	78.46%	87.02%	87.52%	81.66%	79.40%	+94 bps
Liquid Assets / Assets	15.02%	13.30%	16.46%	19.14%	10.81%	10.42%	17.49%	20.80%	+166 bps