Thums

Long Beach, CA · Charter 65637

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.

Long Beach, CA · Charter 65637

Q2 1998

$1.5MAssets

$862KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.57%+72 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	3.15%	2.46%	2.39%	1.85%	2.16%	2.08%	1.90%	2.57%	+72 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	-34.85%	-30.71%	-22.18%	-24.83%	-23.22%	+1,163 bps
Loan Growth (YoY)	n/a	n/a	n/a	10.95%	10.22%	1.04%	-17.42%	-27.15%	-3,810 bps
Share Growth (YoY)	n/a	n/a	n/a	-39.68%	-35.86%	-26.91%	-30.33%	-28.71%	+1,097 bps
Asset Quality
Delinquent Loans / Loans	3.02%	0.72%	2.25%	0.74%	0.84%	1.53%	4.63%	0.00%	-74 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	3.53%	2.94%	2.68%	1.88%	2.07%	2.27%	2.22%	2.54%	+65 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	47.68%	60.67%	72.43%	74.51%	81.94%	83.87%	85.85%	76.15%	+163 bps
Liquid Assets / Assets	53.51%	44.28%	23.51%	22.24%	26.88%	28.12%	26.86%	30.36%	+812 bps