St. Anselms

San Anselmo, CA · Charter 7090

Q2 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: Q2 1999, the quarter ended June 30, 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 Anselmo, CA · Charter 7090

Q2 1999

$177KAssets

$94KLoans

$138KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.29%+34 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.25%	3.17%	2.44%	2.95%	2.48%	3.66%	4.04%	3.29%	+34 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	9.61%	-0.28%	-1.04%	5.62%	6.39%	-13.07%	-8.79%	-776 bps
Loan Growth (YoY)	n/a	-17.42%	-25.14%	-3.37%	7.92%	64.52%	21.28%	-11.73%	-836 bps
Share Growth (YoY)	n/a	12.76%	-0.81%	-1.81%	6.53%	7.74%	-16.50%	-11.55%	-974 bps
Asset Quality
Delinquent Loans / Loans	13.57%	22.46%	14.90%	13.56%	12.41%	5.98%	10.71%	10.54%	-302 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	7.89%	10.01%	8.59%	7.70%	7.31%	6.09%	7.08%	8.77%	+107 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	64.99%	52.73%	55.84%	68.16%	65.84%	80.52%	81.10%	68.02%	-14 bps
Liquid Assets / Assets	44.22%	45.15%	51.56%	39.54%	48.35%	30.11%	34.29%	40.83%	+129 bps