Los Angeles C. S. O.

Lomita, CA · Charter 65844

Q4 1997

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: Q4 1997, the quarter ended December 31, 1997, 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.

Lomita, CA · Charter 65844

Q4 1997

$327KAssets

$92KLoans

$295KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-54.06%-5,654 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.90%	5.04%	1.85%	2.48%	-2.82%	-2.68%	-24.74%	-54.06%	-5,654 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	n/a	-12.36%	-14.91%	-28.21%	-66.89%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-23.78%	-5.61%	-49.73%	-56.70%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-9.58%	-9.46%	-16.04%	-56.73%	n/a
Asset Quality
Delinquent Loans / Loans	7.97%	6.18%	6.03%	9.44%	19.58%	10.93%	35.25%	49.53%	+4,008 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	2.01%	2.84%	1.97%	3.07%	5.44%	4.90%	28.11%	33.27%	+3,019 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	25.21%	25.99%	28.75%	31.11%	21.25%	27.10%	17.22%	31.13%	+2 bps
Liquid Assets / Assets	8.83%	0.00%	10.92%	6.44%	1.12%	6.17%	5.20%	13.40%	+696 bps