Exhibit 5 Financial Summary, Fruitvale Branch (in thousands)

1989 1990 1991 1991

1st 2nd 3rd 4th 1st 2nd 3rd 4th 1st 2nd 6
Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter months
Gross Premiums
New policies $1,485) $1,523) $1,540) $1,546) $1,635) $1,684) $1,763) $1,763) $2,024) $2,172) $4,196)
Endorsements 96 113 109 96 117 138 134 134 158 133 $291)
Renewals 6,607 6,582 6,602 6,710 7,140 7,067 6,898 6,971 6,317 6,596 $12,913)
$8,188) $8,218) $8,251) $8,352) $8,892) $8,889) $8,797) $8,868) $8,499) $8,901 $17,400)
Commissions 834 841 847 856 909 916 924 929 948 1,005 $1,953)
Other Expenses 67 92 69 85 87 99 132 96 130 121 $251)
Net Underwriting Revenue 7,287 7,285 7,335 7,411 7,896 7,874 7,741 7,843 7,421 7,775 $15,196)
Ordinary Insured Losses 4,176 4,273 4,208 4,928 5,602 5,778 5,718 6,030 6,155 6,453 $12,608)
Extraordinary Losses 508 - - - - - - 612 - - -
Less: Branch Protectiona 400 - - - - - - 400 - - -
$4,284) $4,273) $4,208) $4,928) $5,602) $5,778) $5,718) $6,242) $6,155) $6,453) $12,608)
Gross Underwriting Results $3,003) $3,012) $3,127) $2,483) 2,294 2,096 $2,023) $1,601) $1,266) $1,322) $2,588)
Operating Expenses
Office rent 33 33 33 33 36 36 36 36 40 40 80
Property and Equipment 2 7 3 7 8 7 6 1 1 2 3
Depreciation 13 13 13 13 15 15 15 15 16 16 32
Finance chargeb 4 4 4 4 5 5 5 5 5 5 10
Salaries 961 961 961 961 935 935 935 935 1,028 1,028 2,056
Plus Programc - - - - 80 83 87 87 90 97 187
Branch protection 100 100 100 100 100 100 100 100 100 100 200
Branch allocationd 120 120 120 120 120 120 120 120 150 150 300
Other 5 6 8 7 5 9 5 7 10 5 15
$1,238) $1,244) $1,242) $1,245) $1,304) $1,310) $1,309) $1,306) $1,440) $1,443) $2,883)
Branch Profit (Loss) $1,765) $1,768) $1,885) $1,238) $990) $786) $714) $295) ($174) ($121) ($295)

aRepresents an allocation of up to $400,000 of extraordinary loss to the Branch Protection pool which is funded by monthly contributions from each branch.
bRepresents a charge made by the Home Office against the branch due to late collection of premiums.
cBeginning in 1990, senior underwriters and their division manager received a $150 bonus on each new policy written.
dRepresents a charge made by the Home Office against the branch for general support.