Providence First

Burbank, CA · Charter 9883

Q4 1999

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: Q4 1999, the quarter ended December 31, 1999, 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.

Burbank, CA · Charter 9883

Q4 1999

$12.6MAssets

$5.8MLoans

$10.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.87%-246 bps YoY

Net Interest Margin (YTD, annualized)

4.71%

n/a

Efficiency Ratio (YTD, annualized)

79.99%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	1.94%	2.56%	2.97%	3.33%	2.86%	3.09%	3.20%	0.87%	-246 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	4.71%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	79.99%	n/a	n/a
Growth
Asset Growth (YoY)	-16.59%	-13.91%	-7.82%	-3.45%	1.67%	0.70%	8.89%	7.44%	+1,089 bps
Loan Growth (YoY)	9.50%	33.96%	20.90%	6.28%	45.66%	38.40%	43.82%	-2.76%	-905 bps
Share Growth (YoY)	-19.31%	-13.82%	-6.21%	-4.04%	0.38%	-0.69%	8.58%	6.98%	+1,102 bps
Asset Quality
Delinquent Loans / Loans	1.43%	1.48%	0.49%	0.38%	0.27%	0.14%	0.40%	0.66%	+28 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	1.47%	1.11%	1.08%	1.16%	0.86%	0.54%	0.54%	0.78%	-38 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	52.54%	62.62%	58.93%	59.90%	76.24%	87.27%	78.06%	54.44%	-546 bps
Liquid Assets / Assets	23.62%	17.12%	14.72%	15.48%	19.83%	8.95%	12.36%	0.00%	-1,548 bps