Kellogg San Leandro

San Leandro, CA · Charter 9690

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.

San Leandro, CA · Charter 9690

Q2 2000

$3.2MAssets

$2.5MLoans

$2.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.62%-323 bps YoY

Net Interest Margin (YTD, annualized)

4.38%

Efficiency Ratio (YTD, annualized)

84.00%

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	4.19%	3.30%	3.72%	3.85%	3.48%	3.65%	0.44%	0.62%	-323 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	4.29%	4.38%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	85.19%	84.00%	n/a
Growth
Asset Growth (YoY)	-23.01%	-17.67%	-2.87%	-8.72%	9.05%	14.52%	9.92%	8.83%	+1,756 bps
Loan Growth (YoY)	-14.05%	-5.22%	21.72%	22.66%	17.41%	8.41%	9.69%	24.18%	+152 bps
Share Growth (YoY)	-28.53%	-21.84%	-5.34%	-8.44%	9.22%	15.66%	10.84%	2.14%	+1,058 bps
Asset Quality
Delinquent Loans / Loans	2.70%	0.51%	1.29%	1.37%	0.47%	3.63%	1.93%	2.79%	+142 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	2.30%	1.27%	1.16%	0.94%	0.82%	0.81%	1.04%	1.06%	+12 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	70.96%	79.71%	91.78%	88.10%	76.28%	74.71%	90.83%	107.11%	+1,901 bps
Liquid Assets / Assets	41.30%	34.91%	25.67%	28.39%	36.25%	37.12%	24.35%	17.35%	-1,103 bps