Fisco

Honolulu, HI · Charter 6162

Q4 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: Q4 1998, the quarter ended December 31, 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.

Honolulu, HI · Charter 6162

Q4 1998

$2KAssets

$0KLoans

$0KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-488%-48,969 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	1.88%	1.76%	1.31%	1.68%	0.44%	-7.11%	-5.36%	-488%	-48,969 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)	n/a	n/a	-11.24%	-16.28%	-22.62%	-34.44%	-50.27%	-99.59%	-8,330 bps
Loan Growth (YoY)	n/a	n/a	-9.71%	-22.83%	-31.34%	-57.15%	-56.19%	-100.00%	-7,717 bps
Share Growth (YoY)	n/a	n/a	-11.97%	-17.33%	-25.06%	-32.38%	-49.89%	-100.00%	-8,267 bps
Asset Quality
Delinquent Loans / Loans	2.45%	1.77%	3.71%	3.44%	21.26%	42.08%	41.88%	n/a	n/a
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	2.81%	2.35%	3.04%	3.44%	4.26%	20.52%	30.27%	n/a	n/a
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	68.77%	85.99%	69.31%	67.07%	63.02%	54.49%	60.59%	n/a	n/a
Liquid Assets / Assets	34.83%	24.71%	30.86%	33.80%	39.13%	46.78%	52.56%	0.00%	-3,380 bps