Calif. State Empl. No. 122

Atascadero, CA · Charter 63059

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.

Atascadero, CA · Charter 63059

Q2 2000

$6.9MAssets

$5.1MLoans

$6.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.20%-236 bps YoY

Net Interest Margin (YTD, annualized)

5.37%

Efficiency Ratio (YTD, annualized)

85.30%

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	3.43%	2.90%	3.05%	2.56%	2.61%	2.46%	0.46%	0.20%	-236 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	5.29%	5.37%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	90.61%	85.30%	n/a
Growth
Asset Growth (YoY)	0.60%	1.11%	-6.01%	-3.39%	-0.29%	4.89%	10.60%	16.02%	+1,941 bps
Loan Growth (YoY)	0.04%	-12.17%	-3.84%	-2.67%	-6.38%	3.07%	9.86%	17.82%	+2,049 bps
Share Growth (YoY)	-2.14%	-0.99%	-8.32%	-5.11%	-0.78%	5.28%	11.71%	17.97%	+2,308 bps
Asset Quality
Delinquent Loans / Loans	1.20%	0.81%	0.32%	0.25%	0.33%	0.37%	1.14%	0.72%	+47 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	1.32%	1.29%	1.17%	1.36%	1.43%	1.37%	1.22%	1.02%	-34 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	86.89%	80.29%	87.96%	85.10%	81.98%	78.61%	86.51%	84.99%	-11 bps
Liquid Assets / Assets	12.02%	21.18%	9.49%	15.04%	18.74%	17.41%	11.89%	11.96%	-307 bps