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Steilacoom, WA · Charter 7811

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Steilacoom, WA · Charter 7811

Q2 2000

$1.3MAssets

$718KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.68%-531 bps YoY

Net Interest Margin (YTD, annualized)

3.57%

Efficiency Ratio (YTD, annualized)

120.23%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.27%	3.83%	4.68%	4.63%	4.13%	4.26%	0.35%	-0.68%	-531 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	3.32%	3.57%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	74.09%	120.23%	n/a
Growth
Asset Growth (YoY)	-10.48%	1.13%	5.19%	10.30%	13.57%	17.37%	9.96%	0.09%	-1,021 bps
Loan Growth (YoY)	-22.49%	-17.00%	-4.09%	9.18%	11.07%	-11.58%	-20.44%	-6.91%	-1,609 bps
Share Growth (YoY)	-10.78%	0.46%	4.00%	9.02%	13.23%	17.32%	10.21%	-0.57%	-959 bps
Asset Quality
Delinquent Loans / Loans	4.17%	1.13%	0.69%	1.76%	1.87%	0.00%	0.56%	3.52%	+176 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	2.72%	1.57%	1.71%	1.70%	2.24%	2.34%	2.57%	2.05%	+35 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	54.98%	64.61%	68.32%	67.91%	53.93%	48.69%	49.32%	63.58%	-433 bps
Liquid Assets / Assets	43.91%	35.19%	34.12%	35.45%	48.47%	55.76%	54.24%	41.34%	+589 bps