Providence St. Vincent

Portland, OR · Charter 15372

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.

Portland, OR · Charter 15372

Q2 1997

$20.1MAssets

$13.9MLoans

$17.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.57%+20 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	4.20%	4.73%	5.36%	5.16%	5.43%	5.31%	5.57%	+20 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	28.19%	36.35%	47.31%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	34.70%	39.86%	37.70%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	25.30%	35.51%	48.21%	n/a
Asset Quality
Delinquent Loans / Loans	0.45%	0.45%	0.51%	0.39%	0.27%	0.58%	0.80%	+29 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	0.74%	0.53%	0.61%	0.60%	0.51%	0.69%	0.72%	+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	69.27%	77.77%	84.57%	80.88%	74.47%	80.27%	78.57%	-600 bps
Liquid Assets / Assets	26.80%	22.63%	19.47%	19.85%	24.44%	20.64%	20.86%	+139 bps