Magic Valley Memorial Hospital

Twin Falls, ID · Charter 66167

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.

Twin Falls, ID · Charter 66167

Q4 1997

$985KAssets

$770KLoans

$714KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.55%-4 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.63%	4.76%	4.37%	4.58%	4.63%	5.04%	3.92%	4.55%	-4 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	n/a	-0.66%	-5.33%	-6.36%	0.15%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-6.81%	-5.69%	-2.74%	-9.35%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-2.72%	-10.06%	-12.02%	-4.03%	n/a
Asset Quality
Delinquent Loans / Loans	2.69%	4.72%	1.24%	2.98%	2.75%	4.47%	4.47%	3.83%	+84 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	2.67%	3.77%	2.68%	3.00%	3.14%	3.40%	3.62%	2.88%	-12 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	117.05%	107.18%	104.06%	114.17%	112.12%	112.40%	115.03%	107.84%	-633 bps
Liquid Assets / Assets	7.91%	7.98%	15.54%	12.26%	12.49%	11.96%	15.78%	19.26%	+699 bps