Swedish Hospital Employees

Seattle, WA · Charter 13738

Q2 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: Q2 1998, the quarter ended June 30, 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.

Seattle, WA · Charter 13738

Q2 1998

$20.8MAssets

$10.8MLoans

$18.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.52%-21 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.39%	3.71%	3.74%	3.73%	3.83%	3.90%	3.69%	3.52%	-21 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	n/a	7.84%	8.11%	7.26%	8.99%	5.36%	-249 bps
Loan Growth (YoY)	n/a	n/a	n/a	12.51%	16.93%	11.70%	0.44%	-6.83%	-1,934 bps
Share Growth (YoY)	n/a	n/a	n/a	7.00%	7.93%	4.46%	5.95%	1.90%	-510 bps
Asset Quality
Delinquent Loans / Loans	0.51%	0.33%	0.76%	0.27%	0.42%	0.54%	0.18%	0.28%	+1 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	0.79%	0.75%	0.78%	0.66%	0.76%	0.88%	0.82%	1.00%	+34 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	61.88%	62.04%	64.90%	63.75%	67.04%	66.34%	61.52%	58.29%	-546 bps
Liquid Assets / Assets	8.01%	7.44%	13.50%	16.92%	19.34%	27.75%	22.84%	17.24%	+32 bps