San Francisco J.A.C.L.

San Francisco, CA · Charter 65339

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 65339

Q2 1999

$474KAssets

$156KLoans

$367KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.16%-12 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	2.04%	2.19%	2.47%	1.28%	-0.01%	0.36%	1.05%	1.16%	-12 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	-6.49%	-5.68%	-7.70%	-11.98%	-8.67%	-7.78%	-13.43%	-574 bps
Loan Growth (YoY)	n/a	19.30%	27.17%	-10.11%	-11.01%	-31.31%	-34.51%	-33.31%	-2,320 bps
Share Growth (YoY)	n/a	-8.84%	-9.04%	-9.07%	-14.48%	-9.12%	-7.19%	-16.22%	-715 bps
Asset Quality
Delinquent Loans / Loans	3.23%	8.90%	9.31%	7.30%	15.67%	16.41%	17.84%	18.19%	+1,089 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	3.36%	2.80%	3.14%	1.61%	5.19%	7.46%	9.32%	10.35%	+874 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	57.05%	63.47%	58.65%	53.58%	59.36%	47.98%	41.38%	42.65%	-1,093 bps
Liquid Assets / Assets	48.37%	40.69%	45.57%	47.73%	48.97%	53.23%	67.79%	53.23%	+550 bps