Clark County Community

Vancouver, WA · Charter 8114

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.

Vancouver, WA · Charter 8114

Q2 1999

$90.1MAssets

$62.1MLoans

$79.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.30%-40 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 1998	Q3 1998	Q4 1998	Q1 1999	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.70%	4.68%	4.49%	4.23%	4.30%	-40 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)	11.71%	14.54%	16.46%	14.76%	10.80%	-91 bps
Loan Growth (YoY)	9.49%	8.92%	9.29%	10.76%	7.82%	-167 bps
Share Growth (YoY)	11.09%	14.06%	16.65%	14.80%	10.71%	-38 bps
Asset Quality
Delinquent Loans / Loans	0.25%	0.31%	0.12%	0.10%	0.19%	-6 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.72%	0.67%	0.51%	0.54%	0.55%	-17 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	80.00%	78.67%	76.32%	74.31%	77.90%	-209 bps
Liquid Assets / Assets	22.74%	24.47%	25.05%	26.08%	22.23%	-51 bps