Monterey-San Benito Grange

Salinas, CA · Charter 61767

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.

Salinas, CA · Charter 61767

Q2 1999

$533KAssets

$279KLoans

$464KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.43%+67 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	3.02%	2.88%	3.00%	2.76%	3.01%	3.69%	3.44%	3.43%	+67 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	-5.00%	-9.01%	-9.32%	-5.08%	-13.18%	-7.71%	-5.78%	+355 bps
Loan Growth (YoY)	n/a	11.65%	-4.70%	-19.83%	-12.21%	-18.15%	-16.90%	-20.00%	-18 bps
Share Growth (YoY)	n/a	-6.27%	-10.24%	-10.59%	-5.95%	-15.20%	-9.20%	-7.10%	+349 bps
Asset Quality
Delinquent Loans / Loans	2.69%	1.82%	3.36%	2.13%	1.42%	1.22%	2.18%	1.12%	-101 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	1.36%	1.09%	1.45%	0.65%	0.95%	1.25%	1.74%	1.30%	+65 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	74.98%	71.53%	66.14%	69.91%	69.99%	69.05%	60.54%	60.20%	-971 bps
Liquid Assets / Assets	28.34%	30.52%	35.30%	32.84%	33.90%	32.80%	43.74%	41.82%	+898 bps