Meadow Gold Employees

Boise, ID · Charter 11451

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Boise, ID · Charter 11451

Q4 1998

$417KAssets

$353KLoans

$389KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-2.13%-442 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	5.39%	5.39%	2.55%	2.29%	-5.64%	-1.23%	3.16%	-2.13%	-442 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	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	n/a
Growth
Asset Growth (YoY)	n/a	n/a	-8.78%	3.51%	5.15%	9.97%	6.53%	2.63%	-89 bps
Loan Growth (YoY)	n/a	n/a	24.33%	10.06%	9.92%	16.57%	20.55%	6.28%	-378 bps
Share Growth (YoY)	n/a	n/a	-11.14%	5.08%	14.85%	22.78%	18.15%	17.97%	+1,289 bps
Asset Quality
Delinquent Loans / Loans	0.99%	7.39%	0.52%	7.63%	2.69%	16.80%	3.61%	3.04%	-459 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	0.92%	1.33%	0.16%	1.76%	1.80%	2.13%	1.39%	8.88%	+712 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	100.92%	97.98%	103.06%	100.79%	96.59%	93.02%	105.15%	90.80%	-999 bps
Liquid Assets / Assets	10.91%	10.98%	10.47%	9.85%	10.70%	9.98%	5.23%	5.11%	-474 bps