Kaiser-Lakeside

Oakland, CA · Charter 8906

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Oakland, CA · Charter 8906

Q2 2000

$24.6MAssets

$19.1MLoans

$21.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.78%-276 bps YoY

Net Interest Margin (YTD, annualized)

5.16%

Efficiency Ratio (YTD, annualized)

85.79%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.69%	3.25%	3.42%	3.54%	3.35%	2.87%	0.10%	0.78%	-276 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	4.66%	5.16%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	93.23%	85.79%	n/a
Growth
Asset Growth (YoY)	-1.64%	2.73%	-1.23%	-0.40%	9.82%	5.48%	0.12%	1.80%	+220 bps
Loan Growth (YoY)	-9.93%	-12.74%	-6.09%	-7.09%	-3.21%	5.82%	14.48%	25.45%	+3,253 bps
Share Growth (YoY)	-3.19%	1.38%	-2.57%	-1.30%	9.64%	5.38%	-0.33%	1.17%	+247 bps
Asset Quality
Delinquent Loans / Loans	1.30%	3.48%	0.52%	0.75%	0.67%	0.46%	0.38%	0.61%	-15 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	1.22%	1.19%	1.22%	1.28%	1.26%	1.10%	1.01%	0.88%	-40 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	78.66%	75.66%	76.89%	70.97%	69.44%	75.97%	88.31%	88.00%	+1,703 bps
Liquid Assets / Assets	28.05%	30.91%	29.86%	34.72%	36.20%	30.16%	15.92%	12.61%	-2,211 bps