Blackfoot Educators'

Blackfoot, ID · Charter 64843

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Blackfoot, ID · Charter 64843

Q2 1999

$4.1MAssets

$2.6MLoans

$4.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

5.37%-50 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 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	5.88%	5.65%	-9.16%	-10.60%	5.37%	-50 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)	76.32%	78.16%	52.71%	14.39%	-15.09%	-9,141 bps
Loan Growth (YoY)	52.27%	53.76%	40.15%	-9.24%	-31.68%	-8,395 bps
Share Growth (YoY)	88.74%	93.72%	82.58%	25.15%	-9.82%	-9,856 bps
Asset Quality
Delinquent Loans / Loans	7.00%	9.20%	8.58%	9.82%	12.60%	+559 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.14%	1.21%	9.49%	11.55%	10.02%	+888 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	85.32%	82.87%	80.52%	68.34%	64.64%	-2,068 bps
Liquid Assets / Assets	12.74%	15.98%	18.70%	19.29%	36.28%	+2,354 bps