Riverbend

Spokane, WA · Charter 20288

Q4 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: Q4 1996, the quarter ended December 31, 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.

Spokane, WA · Charter 20288

Q4 1996

$3.9MAssets

$2.4MLoans

$3.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.92%-270 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	YoY Δ	Trend
Earnings
Return on Assets	3.53%	3.62%	2.09%	2.82%	-1.54%	0.92%	-270 bps
Return on Equity	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
Efficiency Ratio	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	-14.38%	-7.39%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	13.06%	2.27%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-10.94%	-4.24%	n/a
Asset Quality
Delinquent Loans / Loans	2.79%	6.72%	2.59%	1.89%	4.15%	4.23%	-248 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.87%	0.99%	0.87%	0.93%	2.88%	2.76%	+176 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	60.81%	65.05%	72.89%	75.47%	77.20%	69.47%	+443 bps
Liquid Assets / Assets	20.96%	10.84%	19.07%	25.70%	28.95%	35.29%	+2,446 bps