Lodi Employees

Lodi, CA · Charter 64371

Q4 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: Q4 2000, the quarter ended December 31, 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.

Lodi, CA · Charter 64371

Q4 2000

$2.8MAssets

$2.1MLoans

$2.2MShares

$329KNet Worth

Return on Assets (YTD, annualized)

0.69%-345 bps YoY

Net Interest Margin (YTD, annualized)

4.55%

Efficiency Ratio (YTD, annualized)

79.17%

Net Worth / Assets

11.89%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	4.54%	4.04%	4.13%	4.14%	3.91%	-0.46%	0.51%	0.69%	-345 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	5.83%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.41%	4.40%	4.55%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	105.46%	76.60%	79.17%	n/a
Growth
Asset Growth (YoY)	11.83%	15.38%	8.34%	16.76%	29.22%	28.87%	33.70%	17.10%	+34 bps
Loan Growth (YoY)	20.79%	7.78%	11.97%	19.63%	1.19%	-2.23%	1.87%	9.91%	-972 bps
Share Growth (YoY)	10.93%	16.61%	8.61%	17.11%	33.13%	33.40%	33.74%	9.19%	-792 bps
Asset Quality
Delinquent Loans / Loans	2.73%	2.65%	2.12%	2.58%	2.98%	1.45%	3.16%	2.47%	-11 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	1.95%	2.25%	1.94%	2.18%	2.11%	1.80%	1.04%	1.18%	-100 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	11.89%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	11.89%	n/a	n/a
Liquidity & Funding
Loans / Shares	109.75%	103.82%	110.16%	93.80%	83.42%	76.09%	83.90%	94.41%	+61 bps
Liquid Assets / Assets	3.99%	8.04%	2.83%	9.02%	8.05%	7.19%	3.58%	12.60%	+358 bps