Cuesta 76

San Luis Obispo, CA · Charter 63204

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

San Luis Obispo, CA · Charter 63204

Q2 1996

$657KAssets

$295KLoans

$555KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.69%-14 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	3.83%	4.30%	3.79%	3.91%	3.69%	-14 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)	n/a	n/a	n/a	n/a	-10.98%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-23.15%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-14.10%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.85%	0.24%	0.16%	0.71%	1.28%	+43 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.82%	0.43%	0.43%	1.31%	1.32%	+51 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	59.40%	64.35%	61.90%	55.36%	53.14%	-626 bps
Liquid Assets / Assets	39.89%	37.56%	37.82%	46.54%	49.17%	+927 bps