Long Beach Coastline

Long Beach, CA · Charter 7348

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Long Beach, CA · Charter 7348

Q2 1998

$35.9MAssets

$27.4MLoans

$32.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.94%-53 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.70%	3.57%	-2.00%	4.47%	4.36%	3.96%	4.14%	3.94%	-53 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	-20.70%	-21.55%	-18.91%	-10.65%	-5.77%	+1,493 bps
Loan Growth (YoY)	n/a	n/a	n/a	-13.18%	-18.11%	-24.47%	-21.86%	-4.67%	+851 bps
Share Growth (YoY)	n/a	n/a	n/a	-18.46%	-19.34%	-16.73%	-12.72%	-7.61%	+1,086 bps
Asset Quality
Delinquent Loans / Loans	3.22%	5.01%	5.31%	4.47%	4.49%	3.40%	3.11%	3.59%	-88 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	3.23%	5.13%	7.58%	8.03%	7.34%	7.23%	6.90%	5.83%	-220 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	77.95%	81.73%	84.68%	82.35%	79.14%	74.14%	75.81%	84.97%	+262 bps
Liquid Assets / Assets	7.04%	15.72%	17.12%	21.30%	17.79%	17.58%	18.05%	15.02%	-628 bps