Inland Dairy

Spokane, WA · Charter 89138

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.

Spokane, WA · Charter 89138

Q4 1996

$1.0MAssets

$784KLoans

$839KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.29%-64 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	3.59%	3.93%	4.11%	3.89%	3.47%	3.29%	-64 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	-8.51%	-16.95%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	5.54%	-13.44%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-11.00%	-20.18%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	1.53%	0.43%	0.43%	14.42%	0.12%	-141 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.00%	0.00%	0.33%	0.34%	0.06%	0.38%	+38 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	76.81%	86.20%	96.45%	95.78%	91.09%	93.48%	+727 bps
Liquid Assets / Assets	25.45%	24.43%	12.48%	13.72%	16.94%	21.71%	-272 bps