American Baptist

Covina, CA · Charter 62462

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.

Covina, CA · Charter 62462

Q4 1998

$209.0MAssets

$155.6MLoans

$185.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.50%+23 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 1997	Q1 1998	Q2 1998	Q3 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.26%	4.88%	4.58%	4.58%	4.50%	+23 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)	9.11%	12.02%	6.97%	6.15%	7.96%	-116 bps
Loan Growth (YoY)	7.88%	6.46%	6.20%	6.99%	5.36%	-251 bps
Share Growth (YoY)	13.51%	13.07%	7.26%	5.97%	8.26%	-525 bps
Asset Quality
Delinquent Loans / Loans	0.75%	0.74%	0.56%	0.44%	0.37%	-38 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.82%	0.74%	0.70%	0.66%	0.59%	-23 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	86.23%	83.51%	84.62%	85.93%	83.93%	-231 bps
Liquid Assets / Assets	6.29%	8.39%	7.28%	7.63%	10.56%	+427 bps