East Idaho

Idaho Falls, ID · Charter 508

Q3 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: Q3 1998, the quarter ended September 30, 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 508

Q3 1998

$79.6MAssets

$51.1MLoans

$72.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.68%-47 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 1996	Q1 1997	Q2 1997	Q3 1997	Q4 1997	Q1 1998	Q2 1998	Q3 1998	YoY Δ	Trend
Earnings
Return on Assets	4.46%	4.22%	4.36%	4.15%	4.18%	3.85%	3.81%	3.68%	-47 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)	8.16%	6.70%	5.16%	4.71%	5.00%	6.69%	6.85%	10.62%	+592 bps
Loan Growth (YoY)	13.26%	14.00%	9.29%	7.89%	5.03%	4.35%	2.60%	0.91%	-698 bps
Share Growth (YoY)	7.60%	6.02%	5.59%	4.26%	4.58%	6.52%	6.81%	10.79%	+652 bps
Asset Quality
Delinquent Loans / Loans	0.94%	1.18%	1.37%	1.32%	1.26%	1.36%	1.30%	1.25%	-7 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	0.76%	0.74%	0.89%	0.99%	0.98%	1.06%	1.08%	1.04%	+6 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	77.51%	75.05%	76.51%	77.35%	77.84%	73.53%	73.48%	70.46%	-690 bps
Liquid Assets / Assets	13.21%	15.79%	14.54%	14.56%	15.96%	19.68%	18.60%	19.81%	+525 bps