Spokane City

Spokane, WA · Charter 89126

Q2 1997

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 1997, the quarter ended June 30, 1997, 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 89126

Q2 1997

$19.6MAssets

$14.4MLoans

$17.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.52%-25 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.77%	4.74%	4.08%	4.30%	4.52%	-25 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)	n/a	n/a	6.05%	6.86%	16.46%	n/a
Loan Growth (YoY)	n/a	n/a	23.66%	9.83%	-0.23%	n/a
Share Growth (YoY)	n/a	n/a	5.86%	7.60%	14.70%	n/a
Asset Quality
Delinquent Loans / Loans	0.30%	0.38%	0.90%	1.01%	0.60%	+30 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.42%	0.32%	0.38%	0.31%	0.24%	-19 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	96.29%	94.46%	87.14%	87.34%	83.75%	-1,254 bps
Liquid Assets / Assets	9.32%	6.63%	16.81%	15.14%	19.57%	+1,025 bps