Madison Teachers

Sugar, ID · Charter 67239

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.

Sugar, ID · Charter 67239

Q4 1998

$1.2MAssets

$804KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.73%-14 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	4.88%	4.82%	5.30%	4.87%	5.31%	5.13%	4.74%	4.73%	-14 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	15.61%	23.35%	22.67%	21.53%	19.84%	10.59%	-1,276 bps
Loan Growth (YoY)	n/a	n/a	11.95%	8.38%	5.45%	7.08%	12.19%	-2.36%	-1,074 bps
Share Growth (YoY)	n/a	n/a	12.18%	22.33%	22.18%	21.70%	20.33%	10.51%	-1,182 bps
Asset Quality
Delinquent Loans / Loans	3.49%	2.51%	2.40%	1.83%	3.15%	0.85%	2.76%	2.35%	+52 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	1.46%	1.57%	1.95%	2.18%	1.79%	2.54%	2.62%	2.31%	+13 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	96.66%	92.09%	86.87%	82.92%	83.42%	81.03%	81.00%	73.26%	-966 bps
Liquid Assets / Assets	2.56%	2.43%	2.30%	23.79%	22.88%	25.71%	24.49%	31.77%	+798 bps