Blue Mountain

College Place, WA · Charter 89125

Q4 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: Q4 1996, the quarter ended December 31, 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.

College Place, WA · Charter 89125

Q4 1996

$13.6MAssets

$8.9MLoans

$12.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.98%+67 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	4.11%	4.31%	4.62%	4.51%	4.90%	4.98%	+67 bps
Return on Equity	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
Efficiency Ratio	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	n/a	7.26%	11.25%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	6.75%	13.68%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	7.74%	7.47%	n/a
Asset Quality
Delinquent Loans / Loans	2.44%	2.57%	2.29%	4.51%	3.55%	2.70%	+13 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.34%	3.43%	1.39%	1.53%	1.49%	1.45%	-199 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	69.54%	70.33%	71.78%	65.69%	68.90%	74.39%	+406 bps
Liquid Assets / Assets	25.01%	23.92%	16.26%	16.86%	11.64%	10.33%	-1,359 bps