Calif State Emp CU of San Jose

San Jose, CA · Charter 68023

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.

San Jose, CA · Charter 68023

Q4 1997

$34.9MAssets

$29.1MLoans

$33.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.47%-215 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	2.73%	2.82%	3.63%	3.63%	3.76%	3.39%	-1.35%	1.47%	-215 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	54.11%	31.73%	12.39%	0.51%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	75.01%	43.74%	17.07%	-2.32%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	58.82%	51.49%	17.12%	5.22%	n/a
Asset Quality
Delinquent Loans / Loans	1.52%	1.88%	2.01%	2.13%	1.36%	1.46%	1.84%	3.08%	+95 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	1.17%	0.99%	1.10%	1.05%	1.19%	1.43%	3.92%	3.77%	+272 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	84.51%	107.41%	94.18%	93.62%	93.12%	101.92%	94.14%	86.90%	-671 bps
Liquid Assets / Assets	16.24%	7.43%	7.20%	7.62%	6.32%	1.08%	6.67%	12.97%	+536 bps