Stocktel

Stockton, CA · Charter 7638

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Stockton, CA · Charter 7638

Q2 1997

$20.2MAssets

$13.4MLoans

$16.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.19%-47 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	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.66%	3.71%	3.60%	3.42%	3.19%	-47 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	18.25%	23.23%	9.30%	n/a
Loan Growth (YoY)	n/a	n/a	27.25%	15.89%	5.37%	n/a
Share Growth (YoY)	n/a	n/a	20.69%	27.47%	10.10%	n/a
Asset Quality
Delinquent Loans / Loans	0.22%	0.36%	0.77%	1.16%	1.16%	+94 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.00%	1.06%	0.90%	0.84%	0.85%	-15 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	82.92%	82.20%	82.91%	80.50%	79.35%	-357 bps
Liquid Assets / Assets	18.04%	16.20%	14.48%	16.54%	12.68%	-536 bps