Travis

Vacaville, CA · Charter 7462

Q3 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: Q3 1999, the quarter ended September 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.

Vacaville, CA · Charter 7462

Q3 1999

$807.7MAssets

$478.3MLoans

$709.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.75%-345 bps YoY

Net Interest Margin (YTD, annualized)

3.72%

n/a

Efficiency Ratio (YTD, annualized)

71.28%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q1 1998	Q2 1998	Q3 1998	Q4 1998	Q1 1999	Q2 1999	Q3 1999	YoY Δ	Trend
Earnings
Return on Assets	4.30%	4.19%	4.17%	4.20%	4.08%	4.08%	4.03%	0.75%	-345 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	3.72%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	71.28%	n/a	n/a
Growth
Asset Growth (YoY)	7.25%	8.50%	9.30%	9.95%	12.44%	10.90%	9.56%	8.51%	-144 bps
Loan Growth (YoY)	6.82%	5.70%	9.00%	11.56%	9.73%	8.69%	4.39%	3.44%	-812 bps
Share Growth (YoY)	7.31%	8.79%	9.89%	10.32%	13.31%	11.52%	10.12%	9.27%	-104 bps
Asset Quality
Delinquent Loans / Loans	0.65%	0.67%	0.66%	0.59%	0.73%	0.69%	0.56%	0.57%	-2 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	1.00%	1.18%	1.22%	1.21%	1.28%	1.33%	1.39%	1.42%	+21 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	69.84%	67.71%	69.66%	71.25%	67.63%	65.99%	66.03%	67.45%	-380 bps
Liquid Assets / Assets	19.82%	17.86%	16.49%	17.17%	20.21%	24.26%	13.85%	14.81%	-236 bps