Santa Fe West

Commerce, CA · Charter 64806

Q2 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: Q2 1998, the quarter ended June 30, 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.

Commerce, CA · Charter 64806

Q2 1998

$24.3MAssets

$21.9MLoans

$20.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.12%+61 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.57%	3.68%	3.44%	3.52%	3.58%	3.74%	3.76%	4.12%	+61 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	n/a	n/a	0.63%	5.87%	9.81%	0.89%	1.84%	+121 bps
Loan Growth (YoY)	n/a	n/a	n/a	0.35%	4.32%	21.29%	21.88%	18.83%	+1,849 bps
Share Growth (YoY)	n/a	n/a	n/a	-3.43%	2.18%	7.35%	-0.55%	0.35%	+379 bps
Asset Quality
Delinquent Loans / Loans	3.68%	3.29%	2.54%	2.04%	2.29%	2.16%	2.95%	1.71%	-33 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	1.48%	2.04%	2.49%	2.59%	2.50%	2.41%	2.52%	2.63%	+4 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	95.00%	89.75%	87.58%	88.69%	96.99%	101.40%	107.33%	105.02%	+1,633 bps
Liquid Assets / Assets	3.67%	9.66%	13.27%	13.91%	7.46%	2.99%	7.45%	9.32%	-459 bps