Magic Valley Teachers

Twin Falls, ID · Charter 82526

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.

Twin Falls, ID · Charter 82526

Q2 1999

$422KAssets

$390KLoans

$375KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.85%-252 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.49%	3.36%	4.06%	4.37%	4.36%	3.07%	2.58%	1.85%	-252 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	-13.55%	-9.66%	-3.46%	2.77%	1.86%	11.22%	-6.25%	-278 bps
Loan Growth (YoY)	n/a	7.18%	-8.68%	11.32%	24.27%	-21.77%	13.91%	-6.21%	-1,753 bps
Share Growth (YoY)	n/a	-16.04%	-12.26%	-5.93%	0.66%	1.36%	-1.62%	-5.08%	+85 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.29%	1.01%	4.70%	12.10%	+1,210 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	2.54%	1.87%	1.96%	1.56%	1.75%	2.16%	1.55%	1.85%	+29 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	76.32%	107.88%	105.13%	105.32%	94.21%	83.26%	121.72%	104.07%	-125 bps
Liquid Assets / Assets	1.76%	1.78%	6.97%	6.48%	16.89%	25.28%	4.25%	0.00%	-648 bps