Beeline Employees

North Salt Lake, UT · Charter 15692

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

North Salt Lake, UT · Charter 15692

Q2 1996

$501KAssets

$197KLoans

$609KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-4.12%-927 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	YoY Δ	Trend
Earnings
Return on Assets	5.15%	5.31%	5.82%	5.01%	-4.12%	-927 bps
Return on Equity	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
Efficiency Ratio	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	-26.65%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-70.17%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	8.00%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.85%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.55%	0.57%	0.55%	0.54%	12.44%	+1,190 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	116.86%	114.07%	107.74%	108.79%	32.28%	-8,458 bps
Liquid Assets / Assets	0.49%	0.48%	2.17%	0.42%	62.57%	+6,208 bps