Tri City

Richland, WA · Charter 14044

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.

Richland, WA · Charter 14044

Q2 1997

$4.3MAssets

$2.8MLoans

$3.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.60%-88 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	3.36%	3.70%	3.48%	3.00%	2.47%	2.57%	2.60%	-88 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	-17.26%	-14.09%	-14.33%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	1.76%	1.76%	-5.40%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-19.98%	-16.25%	-15.84%	n/a
Asset Quality
Delinquent Loans / Loans	0.10%	0.07%	0.13%	0.49%	0.00%	0.74%	1.36%	+124 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	0.89%	0.95%	0.80%	1.07%	0.57%	0.83%	0.91%	+11 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	53.92%	59.79%	65.24%	71.31%	68.57%	72.65%	73.33%	+809 bps
Liquid Assets / Assets	40.19%	36.63%	30.96%	21.36%	25.87%	21.87%	25.13%	-583 bps