Canyon Medical Health (C.M.H.)

Caldwell, ID · Charter 63664

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Caldwell, ID · Charter 63664

Q4 1997

$12.4MAssets

$10.6MLoans

$11.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.32%-42 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.74%	4.74%	4.82%	4.54%	4.32%	-42 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	25.77%	22.55%	22.69%	13.78%	n/a
Loan Growth (YoY)	n/a	-2.16%	12.48%	15.38%	20.36%	n/a
Share Growth (YoY)	n/a	25.13%	22.42%	23.66%	13.64%	n/a
Asset Quality
Delinquent Loans / Loans	1.31%	2.50%	2.90%	3.15%	3.67%	+236 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.02%	1.31%	1.49%	1.53%	1.67%	+65 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	91.63%	79.99%	93.16%	91.59%	97.04%	+542 bps
Liquid Assets / Assets	1.26%	1.19%	16.32%	17.79%	12.27%	+1,100 bps