A E I Employees

Fullerton, CA · Charter 9291

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Fullerton, CA · Charter 9291

Q2 1998

$452KAssets

$296KLoans

$333KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.18%-43 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	2.71%	3.62%	4.28%	3.61%	3.14%	3.65%	3.66%	3.18%	-43 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	-9.60%	-7.61%	-13.81%	-12.29%	-17.75%	-816 bps
Loan Growth (YoY)	n/a	n/a	n/a	73.14%	11.75%	36.32%	7.19%	-19.44%	-9,258 bps
Share Growth (YoY)	n/a	n/a	n/a	-13.57%	-10.71%	-18.68%	-16.13%	-22.71%	-914 bps
Asset Quality
Delinquent Loans / Loans	3.40%	2.34%	4.32%	2.00%	1.59%	2.10%	1.78%	4.30%	+231 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	0.99%	1.12%	0.88%	0.81%	1.16%	0.52%	0.53%	0.66%	-15 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	62.50%	62.09%	77.11%	85.40%	78.22%	104.09%	98.55%	89.01%	+362 bps
Liquid Assets / Assets	33.29%	45.20%	36.58%	27.32%	35.16%	17.82%	23.25%	29.96%	+264 bps