San Francisco Fire

San Francisco, CA · Charter 66821

Q1 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: Q1 1999, the quarter ended March 31, 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 66821

Q1 1999

$202.7MAssets

$119.3MLoans

$173.3MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.70%-6 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	Q1 1998	Q2 1998	Q3 1998	Q4 1998	Q1 1999	YoY Δ	Trend
Earnings
Return on Assets	4.77%	4.89%	4.79%	4.54%	4.70%	-6 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	9.25%	7.58%	10.91%	12.87%	12.02%	+277 bps
Loan Growth (YoY)	7.34%	8.48%	9.82%	10.55%	9.57%	+223 bps
Share Growth (YoY)	8.76%	6.93%	10.89%	11.46%	12.53%	+377 bps
Asset Quality
Delinquent Loans / Loans	0.27%	0.08%	0.06%	0.04%	0.03%	-24 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.28%	0.27%	0.26%	0.25%	0.25%	-3 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	70.72%	72.77%	72.17%	71.73%	68.85%	-186 bps
Liquid Assets / Assets	12.11%	10.23%	10.63%	7.65%	8.92%	-318 bps