Anaheim City Empl. Dba Anaheim Area

Anaheim, CA · Charter 61711

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Anaheim, CA · Charter 61711

Q2 2000

$34.0MAssets

$25.6MLoans

$32.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.29%+62 bps YoY

Net Interest Margin (YTD, annualized)

5.52%

Efficiency Ratio (YTD, annualized)

68.21%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.18%	1.22%	2.12%	3.67%	3.23%	2.76%	0.38%	4.29%	+62 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	5.65%	5.52%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	77.48%	68.21%	n/a
Growth
Asset Growth (YoY)	6.05%	3.99%	-3.35%	-0.89%	0.74%	1.00%	-1.92%	-6.30%	-541 bps
Loan Growth (YoY)	34.44%	9.13%	1.62%	6.56%	1.78%	-2.21%	-1.39%	-13.73%	-2,029 bps
Share Growth (YoY)	5.17%	5.20%	-3.03%	-0.94%	4.07%	2.30%	-1.13%	-4.39%	-346 bps
Asset Quality
Delinquent Loans / Loans	1.85%	1.06%	0.41%	0.33%	0.34%	0.13%	0.23%	5.47%	+514 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	0.91%	1.63%	0.85%	0.85%	1.02%	1.23%	1.36%	1.41%	+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	84.50%	85.41%	87.59%	86.76%	82.63%	81.64%	87.35%	78.29%	-847 bps
Liquid Assets / Assets	6.57%	13.77%	2.75%	4.25%	6.16%	4.49%	6.92%	10.14%	+589 bps