Pacific Commerce

Arcadia, CA · Charter 6591

Q2 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: Q2 1997, the quarter ended June 30, 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.

Arcadia, CA · Charter 6591

Q2 1997

$14.5MAssets

$7.8MLoans

$11.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.11%+15 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	YoY Δ	Trend
Earnings
Return on Assets	2.80%	2.99%	2.96%	3.15%	3.41%	2.92%	3.11%	+15 bps
Return on Equity	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
Efficiency Ratio	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	-21.29%	-12.30%	-0.47%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	11.37%	10.75%	5.10%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-26.46%	-15.72%	-1.44%	n/a
Asset Quality
Delinquent Loans / Loans	0.22%	0.64%	0.26%	0.89%	1.76%	1.86%	1.48%	+122 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.81%	2.81%	2.37%	2.49%	1.49%	1.63%	0.77%	-160 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	52.67%	58.40%	62.57%	72.65%	79.76%	76.74%	66.72%	+415 bps
Liquid Assets / Assets	49.04%	36.49%	34.08%	22.94%	30.92%	32.84%	20.73%	-1,335 bps