Northland

Spokane, WA · Charter 10466

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Spokane, WA · Charter 10466

Q2 1997

$16.0MAssets

$10.4MLoans

$14.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.31%-1 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.25%	3.46%	3.32%	3.50%	3.77%	3.55%	3.31%	-1 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-14.18%	-11.44%	-3.33%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	49.29%	41.57%	18.74%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-16.71%	-13.25%	-5.16%	n/a
Asset Quality
Delinquent Loans / Loans	0.07%	0.43%	0.10%	0.13%	0.23%	0.90%	8.14%	+804 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.24%	1.10%	0.96%	0.30%	0.15%	0.25%	0.25%	-70 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	44.16%	51.09%	56.57%	70.31%	79.15%	83.38%	70.83%	+1,425 bps
Liquid Assets / Assets	27.09%	42.89%	36.18%	24.58%	16.11%	11.16%	18.26%	-1,792 bps