Northwest Health Employees

St. Albans, VT · Charter 65176

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.

St. Albans, VT · Charter 65176

Q4 1998

$134KAssets

$93KLoans

$109KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.33%+38 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	5.24%	4.37%	3.35%	3.95%	3.57%	4.03%	4.14%	4.33%	+38 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	13.87%	2.53%	-2.90%	-9.86%	0.24%	-4.76%	-729 bps
Loan Growth (YoY)	n/a	n/a	-9.50%	-0.58%	4.11%	8.36%	15.24%	-12.45%	-1,187 bps
Share Growth (YoY)	n/a	n/a	13.26%	-1.17%	-5.28%	-14.27%	-3.04%	-8.56%	-738 bps
Asset Quality
Delinquent Loans / Loans	1.04%	0.00%	0.00%	1.58%	1.64%	1.41%	1.85%	5.12%	+354 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	1.85%	1.16%	1.33%	1.20%	0.91%	0.84%	0.66%	2.04%	+84 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	79.53%	81.75%	71.69%	89.34%	87.42%	103.33%	85.22%	85.54%	-380 bps
Liquid Assets / Assets	7.29%	17.01%	20.85%	16.06%	16.05%	9.90%	9.16%	10.73%	-533 bps