Spokane Teachers

Spokane, WA · Charter 89109

Q3 1996

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: Q3 1996, the quarter ended September 30, 1996, 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.

Spokane, WA · Charter 89109

Q3 1996

$259.1MAssets

$167.0MLoans

$232.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

n/a

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	Q3 1994	Q4 1994	Q1 1995	Q2 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	YoY Δ	Trend
Earnings
Return on Assets	4.29%	4.38%	4.86%	5.10%	4.96%	4.93%	4.99%	n/a	n/a
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	0.19%	6.56%	13.89%	15.30%	16.11%	+1,592 bps
Loan Growth (YoY)	n/a	n/a	n/a	17.72%	16.79%	13.08%	15.11%	17.78%	+6 bps
Share Growth (YoY)	n/a	n/a	n/a	-1.99%	5.93%	14.58%	15.96%	16.73%	+1,873 bps
Asset Quality
Delinquent Loans / Loans	0.26%	0.29%	0.29%	0.34%	0.33%	0.35%	0.35%	0.40%	+6 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	0.73%	0.72%	0.73%	0.71%	0.68%	0.69%	0.64%	0.59%	-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	63.75%	66.93%	68.14%	71.23%	70.29%	66.05%	67.64%	71.87%	+64 bps
Liquid Assets / Assets	7.48%	7.41%	6.12%	7.49%	11.71%	16.14%	14.50%	9.50%	+200 bps