St Joe Valley

St. Maries, ID · Charter 63847

Q2 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: Q2 1998, the quarter ended June 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.

St. Maries, ID · Charter 63847

Q2 1998

$5.0MAssets

$3.5MLoans

$4.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.94%+35 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	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	2.81%	3.16%	3.64%	3.59%	4.03%	3.58%	3.98%	3.94%	+35 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	n/a	18.09%	4.79%	6.80%	6.29%	-2.50%	-2,060 bps
Loan Growth (YoY)	n/a	n/a	n/a	25.58%	5.24%	-7.04%	0.05%	-1.86%	-2,744 bps
Share Growth (YoY)	n/a	n/a	n/a	18.60%	3.85%	12.30%	5.71%	-3.54%	-2,214 bps
Asset Quality
Delinquent Loans / Loans	0.92%	1.98%	1.35%	1.62%	1.50%	1.44%	2.89%	1.14%	-48 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	0.55%	0.56%	0.59%	0.65%	0.62%	0.40%	0.43%	0.46%	-19 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	77.02%	97.06%	84.44%	73.80%	78.05%	80.35%	79.91%	75.09%	+129 bps
Liquid Assets / Assets	11.17%	5.97%	1.37%	5.25%	20.11%	0.94%	18.27%	22.30%	+1,705 bps