Del Monte Northwest

Yakima, WA · Charter 6066

Q4 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: Q4 1998, the quarter ended December 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.

Yakima, WA · Charter 6066

Q4 1998

$2.0MAssets

$1.9MLoans

$1.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.42%-170 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	3.99%	4.00%	2.22%	4.13%	3.78%	3.73%	1.91%	2.42%	-170 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)	n/a	n/a	-7.15%	-1.16%	9.78%	4.72%	3.72%	-5.28%	-412 bps
Loan Growth (YoY)	n/a	n/a	-5.98%	-2.52%	-8.59%	18.01%	23.76%	13.15%	+1,567 bps
Share Growth (YoY)	n/a	n/a	-7.33%	-0.72%	8.93%	3.64%	0.41%	-4.49%	-376 bps
Asset Quality
Delinquent Loans / Loans	0.82%	0.65%	0.05%	0.58%	0.70%	0.80%	1.31%	3.01%	+243 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	0.46%	0.48%	0.78%	0.66%	0.99%	0.74%	0.58%	1.53%	+86 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	97.08%	84.76%	84.63%	85.91%	81.47%	96.52%	104.31%	101.78%	+1,587 bps
Liquid Assets / Assets	11.50%	20.14%	21.91%	16.67%	23.93%	11.70%	4.72%	5.05%	-1,163 bps