Potelco United

Pocatello, ID · Charter 2233

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.

Pocatello, ID · Charter 2233

Q4 1996

$20.9MAssets

$17.6MLoans

$19.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.46%-26 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	YoY Δ	Trend
Earnings
Return on Assets	4.72%	4.38%	4.44%	4.37%	4.46%	-26 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	20.16%	15.98%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	16.67%	9.97%	n/a
Share Growth (YoY)	n/a	n/a	n/a	19.35%	18.19%	n/a
Asset Quality
Delinquent Loans / Loans	1.20%	1.81%	2.25%	1.77%	1.61%	+41 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.83%	0.87%	0.90%	0.81%	0.75%	-8 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	96.91%	92.44%	93.58%	90.67%	90.17%	-674 bps
Liquid Assets / Assets	1.55%	2.70%	2.51%	2.21%	2.35%	+80 bps