Boise Cascade Employees

Emmett, ID · Charter 1462

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.

Emmett, ID · Charter 1462

Q2 1998

$2.6MAssets

$1.9MLoans

$2.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.00%+42 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	3.11%	3.94%	4.06%	3.58%	3.83%	4.00%	4.12%	4.00%	+42 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	1.38%	4.87%	19.70%	29.11%	33.58%	+3,221 bps
Loan Growth (YoY)	n/a	n/a	n/a	66.29%	39.01%	27.79%	34.60%	10.33%	-5,597 bps
Share Growth (YoY)	n/a	n/a	n/a	-0.25%	3.97%	21.32%	32.02%	36.33%	+3,658 bps
Asset Quality
Delinquent Loans / Loans	0.22%	1.51%	1.49%	1.54%	0.83%	0.58%	0.89%	1.76%	+22 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	0.94%	0.86%	0.76%	0.48%	0.49%	0.29%	0.25%	0.15%	-33 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	68.42%	82.26%	86.46%	98.83%	91.48%	86.64%	88.15%	79.98%	-1,885 bps
Liquid Assets / Assets	25.97%	25.93%	22.29%	8.39%	11.35%	19.29%	14.65%	16.41%	+803 bps