South Park/Pueblo Gardens Community

Tucson, AZ · Charter 68184

Q4 2000

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 2000, the quarter ended December 31, 2000, 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.

Tucson, AZ · Charter 68184

Q4 2000

$925KAssets

$784KLoans

$902KShares

$14KNet Worth

Return on Assets (YTD, annualized)

0.37%+462 bps YoY

Net Interest Margin (YTD, annualized)

8.75%

Efficiency Ratio (YTD, annualized)

94.49%

Net Worth / Assets

1.51%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	-0.97%	0.52%	-5.28%	-4.25%	1.60%	0.85%	0.54%	0.37%	+462 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	24.43%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	9.05%	9.54%	8.75%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	72.03%	91.23%	94.49%	n/a
Growth
Asset Growth (YoY)	n/a	28.45%	7.98%	6.26%	17.50%	13.70%	9.71%	29.70%	+2,344 bps
Loan Growth (YoY)	n/a	3920%	530%	82.21%	28.63%	19.86%	25.50%	27.67%	-5,454 bps
Share Growth (YoY)	n/a	24.54%	9.83%	9.67%	22.05%	17.59%	10.48%	29.03%	+1,936 bps
Asset Quality
Delinquent Loans / Loans	10.56%	14.50%	14.84%	9.70%	8.49%	7.82%	3.84%	2.41%	-729 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	5.28%	4.39%	5.68%	7.61%	6.24%	6.82%	5.86%	4.44%	-317 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.51%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.51%	n/a	n/a
Liquidity & Funding
Loans / Shares	70.25%	79.80%	73.21%	87.88%	74.03%	81.34%	83.16%	86.96%	-93 bps
Liquid Assets / Assets	35.61%	25.62%	29.81%	16.38%	29.07%	22.42%	20.97%	16.14%	-24 bps