Cal West

Newport Beach, CA · Charter 65158

Q2 2001

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 2001, the quarter ended June 30, 2001, 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.

Newport Beach, CA · Charter 65158

Q2 2001

$22.6MAssets

$16.5MLoans

$21.0MShares

$1.6MNet Worth

Return on Assets (YTD, annualized)

1.06%-135 bps YoY

Net Interest Margin (YTD, annualized)

4.69%

Efficiency Ratio (YTD, annualized)

71.88%

Net Worth / Assets

7.10%

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	2.90%	2.24%	2.69%	2.41%	-0.04%	0.50%	0.51%	1.06%	-135 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	8.03%	14.89%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	4.17%	4.52%	4.05%	4.69%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	97.85%	86.74%	83.37%	71.88%	n/a
Growth
Asset Growth (YoY)	17.31%	9.90%	0.66%	1.00%	3.79%	13.18%	24.48%	21.12%	+2,013 bps
Loan Growth (YoY)	64.30%	61.90%	26.98%	26.73%	29.07%	57.05%	89.89%	59.07%	+3,234 bps
Share Growth (YoY)	17.93%	9.47%	-0.09%	0.69%	3.89%	13.74%	14.22%	22.35%	+2,166 bps
Asset Quality
Delinquent Loans / Loans	0.95%	0.77%	0.78%	0.43%	0.27%	0.23%	0.44%	0.75%	+32 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	0.86%	1.12%	0.78%	0.66%	0.68%	0.53%	0.51%	0.59%	-8 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	6.32%	7.10%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	6.32%	7.10%	n/a
Liquidity & Funding
Loans / Shares	50.50%	52.67%	55.20%	60.49%	62.73%	72.73%	91.76%	78.64%	+1,815 bps
Liquid Assets / Assets	40.47%	37.36%	44.64%	18.97%	2.82%	3.91%	6.53%	23.19%	+422 bps