Eldorado Bancorp, TUSTIN

Nature of Business: Holding company for Eldorado Bank

Total employees: 230

In Orange County: 152

Stock listing in The Times: On AMEX as “Eldorad”

Ticker Symbol: “ELB”

Friday’s Close: $8.75

One-week Change: Down $0.13

Analyst Review: “Banks are such a cyclical industry and are subject to economic and geographic factors. But, I think given the environment in which Eldorado Bank has been operating, it is in very good shape. For instance its non-performing assets--bad loans and foreclosed property--are below the California average; you want you’re non-performing assets to be as low as possible. In terms of earnings, Eldorado had a very health second quarter; they have a good steady earnings stream. We have an S&L; safety rating scale where we look at things such as riskiness of the loan portfolio, capital adequacy, asset quality, earnings history and the company’s market value. An “A-” means there is no risk, and a “B” means there is a little risk. On our S&L; safety scale, Eldorado has a B+ rating.

--Lisa Todaro, analyst, SNL Securities, Charlottesville, Virginia

Assets and Profits

Dollar amounts in millions

Fiscal year ending Dec. 31 Dec. 31 Dec. 31 2 Qtrs. 2 Qtrs. 1989 1990 1991 1991 1992 Assets $276.6 $294.0 $355.4 $288.1 $350.6 Profits $3.8 $3.5 $2.7 $1.6 $1.7

Corporate Outlook: “Eldorado Bank plans to be a leader in Southern California in providing personalized service to its customers. Through this delivery of goods and service, we hope to grow by $500 million in assets over the next five years. Much of this growth will come from mergers and acquisitions. Our profit goals and objectives include return on assets averaging 1.22% and return on average equity of 15%. “ --J.B. Crowell, president/CEO

RETURN ON INVESTMENT: 3-YEAR SUMMARY AND YEAR-TO-DATE

Fiscal year ending Dec. 31 Dec. 31 Dec. 31 2 Qtrs. 1989 1990 1991 1991 52-Week High $17.63 $16.88 $11.63 $11.63 52-Week Low $12.00 $7.38 $8.38 $8.38 Book Value Per Share $8.70 $9.32 $10.22 $10.04 Price Per Share $16.88 $8.94 $9.63 $10.00 Net Earnings Per Share $1.39 $1.27 $1.00 $0.59 Price-to-Earnings Ratio 12:1 7:1 10:1 8:1 Avg. Return on Investor Equity 16% 13% 10% 12%

Fiscal year ending 2 Qtrs. 1992 52-Week High $10.00 52-Week Low $8.88 Book Value Per Share $10.36 Price Per Share $9.00 Net Earnings Per Share $0.62 Price-to-Earnings Ratio 7:1 Avg. Return on Investor Equity 12%

Source: Eldorado Bancorp

For more information call or write, Eldorado Bancorp: 17752 East Seventeenth St., Tustin, Calif. 92680. (714) 830-8800