Los Angeles Water&Power Emp

Los Angeles, CA · Charter 67227

Q3 1996

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: Q3 1996, the quarter ended September 30, 1996, 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.

Los Angeles, CA · Charter 67227

Q3 1996

n/aAssets

n/aLoans

n/aShares

n/aNet Worth

Return on Assets (YTD, annualized)

n/a

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	Q3 1994	Q4 1994	Q1 1995	Q2 1995	Q3 1995	Q4 1995	Q1 1996	Q3 1996	YoY Δ	Trend
Earnings
Return on Assets	3.77%	3.87%	4.08%	4.17%	4.26%	4.25%	4.09%	n/a	n/a
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	-1.33%	-0.22%	-1.09%	-0.52%	3.38%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	20.13%	15.37%	9.71%	4.79%	2.35%	n/a	n/a
Share Growth (YoY)	n/a	n/a	-0.34%	0.48%	-0.68%	1.21%	2.64%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.76%	0.70%	0.73%	0.68%	0.71%	0.99%	1.00%	n/a	n/a
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	1.08%	1.05%	1.03%	1.03%	1.08%	1.06%	1.04%	n/a	n/a
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	59.34%	64.34%	65.16%	65.36%	65.54%	66.62%	64.98%	n/a	n/a
Liquid Assets / Assets	22.99%	26.90%	29.51%	26.40%	29.78%	26.06%	31.26%	n/a	n/a