U.F.C.W. Local #324

Buena Park, CA · Charter 8087

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Buena Park, CA · Charter 8087

Q2 1996

$3.7MAssets

$1.8MLoans

$3.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.60%+96 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	2.63%	2.43%	2.20%	2.53%	3.60%	+96 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	n/a	n/a	-5.36%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	7.52%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-6.25%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.63%	0.00%	0.08%	0.05%	+5 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.25%	0.63%	0.62%	0.53%	0.37%	+12 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	49.79%	47.46%	54.97%	61.52%	57.11%	+732 bps
Liquid Assets / Assets	51.50%	54.94%	48.25%	45.12%	48.14%	-336 bps