Luke

Phoenix, AZ · Charter 7530

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.

Phoenix, AZ · Charter 7530

Q3 1999

$188.7MAssets

$132.8MLoans

$164.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.32%-338 bps YoY

Net Interest Margin (YTD, annualized)

3.89%

n/a

Efficiency Ratio (YTD, annualized)

72.50%

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	4.69%	4.94%	4.73%	4.70%	4.53%	4.41%	4.44%	1.32%	-338 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	3.89%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	72.50%	n/a	n/a
Growth
Asset Growth (YoY)	7.09%	7.33%	8.33%	9.89%	11.68%	10.52%	10.76%	8.70%	-119 bps
Loan Growth (YoY)	13.39%	13.17%	11.09%	9.45%	10.00%	8.41%	9.24%	8.29%	-116 bps
Share Growth (YoY)	5.65%	5.88%	7.15%	8.96%	11.47%	10.18%	10.49%	8.92%	-3 bps
Asset Quality
Delinquent Loans / Loans	0.06%	0.06%	0.05%	0.06%	0.07%	0.07%	0.06%	0.04%	-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	0.59%	0.55%	0.51%	0.47%	0.43%	0.41%	0.39%	0.38%	-9 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	79.93%	80.35%	79.98%	81.22%	78.87%	79.05%	79.07%	80.75%	-47 bps
Liquid Assets / Assets	14.73%	10.78%	12.62%	12.91%	18.07%	16.92%	14.59%	15.41%	+250 bps