San Francisco Postal

San Francisco, CA · Charter 65052

Q2 1999

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 1999, the quarter ended June 30, 1999, 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 Francisco, CA · Charter 65052

Q2 1999

$12.1MAssets

$5.2MLoans

$11.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.84%-364 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.99%	4.22%	4.11%	4.48%	4.03%	2.20%	1.27%	0.84%	-364 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	6.59%	16.20%	16.33%	11.18%	8.92%	1.17%	0.48%	-1,585 bps
Loan Growth (YoY)	n/a	25.18%	2.93%	-7.60%	-1.98%	-15.19%	-22.62%	-26.00%	-1,840 bps
Share Growth (YoY)	n/a	4.79%	16.03%	16.11%	11.61%	8.94%	2.10%	3.32%	-1,279 bps
Asset Quality
Delinquent Loans / Loans	1.40%	2.07%	2.00%	2.56%	2.97%	0.79%	4.69%	4.76%	+221 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	0.16%	1.09%	1.25%	0.63%	0.90%	0.98%	2.06%	5.22%	+459 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	76.71%	72.45%	69.83%	64.54%	67.37%	56.40%	52.93%	46.23%	-1,832 bps
Liquid Assets / Assets	26.22%	22.55%	32.73%	37.15%	34.57%	13.95%	46.01%	52.49%	+1,533 bps