West Los Angeles Japanese

Los Angeles, CA · Charter 65160

Q2 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: Q2 2000, the quarter ended June 30, 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.

Los Angeles, CA · Charter 65160

Q2 2000

$1.6MAssets

$1.4MLoans

$1.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.34%-258 bps YoY

Net Interest Margin (YTD, annualized)

3.70%

Efficiency Ratio (YTD, annualized)

109.08%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.30%	3.32%	2.84%	2.24%	2.07%	2.36%	-3.40%	-0.34%	-258 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	4.11%	3.70%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	321%	109.08%	n/a
Growth
Asset Growth (YoY)	0.26%	-4.05%	-4.53%	-6.92%	-9.51%	-1.61%	-5.61%	-5.44%	+149 bps
Loan Growth (YoY)	24.39%	43.24%	36.90%	21.64%	-1.24%	2.54%	-1.00%	12.60%	-904 bps
Share Growth (YoY)	3.75%	-5.30%	-2.32%	-9.47%	-9.26%	0.24%	-2.67%	-1.98%	+749 bps
Asset Quality
Delinquent Loans / Loans	0.19%	0.12%	0.08%	0.13%	1.06%	0.78%	0.00%	0.00%	-13 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	0.15%	0.10%	0.07%	0.01%	0.07%	0.04%	0.00%	0.00%	-1 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	88.27%	101.62%	102.20%	101.03%	96.07%	103.96%	103.96%	116.06%	+1,503 bps
Liquid Assets / Assets	26.06%	11.62%	16.08%	9.87%	14.10%	7.91%	4.41%	4.52%	-534 bps