Westmark

Idaho Falls, ID · Charter 24095

Q1 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: Q1 1998, the quarter ended March 31, 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.

Idaho Falls, ID · Charter 24095

Q1 1998

$129.6MAssets

$86.5MLoans

$117.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.02%-28 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 1996	Q3 1996	Q4 1996	Q1 1997	Q2 1997	Q3 1997	Q4 1997	Q1 1998	YoY Δ	Trend
Earnings
Return on Assets	4.81%	n/a	5.37%	4.31%	4.45%	4.56%	4.71%	4.02%	-28 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)	7.82%	5.65%	6.51%	4.52%	4.95%	6.50%	7.07%	8.23%	+370 bps
Loan Growth (YoY)	16.69%	14.94%	11.85%	9.96%	9.56%	11.78%	2.30%	6.15%	-381 bps
Share Growth (YoY)	5.77%	4.32%	4.94%	2.56%	3.66%	4.49%	6.00%	7.14%	+458 bps
Asset Quality
Delinquent Loans / Loans	0.13%	0.09%	0.13%	0.16%	0.21%	0.14%	0.28%	0.30%	+15 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	1.59%	1.55%	0.97%	0.98%	0.94%	0.89%	0.92%	0.87%	-11 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	74.59%	74.93%	78.47%	74.48%	78.83%	80.15%	75.73%	73.79%	-69 bps
Liquid Assets / Assets	7.08%	7.90%	5.93%	8.05%	4.24%	6.00%	9.52%	12.15%	+410 bps