State Highway District #5 Cr. Un.

Yakima, WA · Charter 89145

Q2 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: Q2 1996, the quarter ended June 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.

Yakima, WA · Charter 89145

Q2 1996

$14.0MAssets

$9.7MLoans

$12.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.94%-3 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	YoY Δ	Trend
Earnings
Return on Assets	4.98%	5.14%	5.12%	4.79%	4.94%	-3 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	n/a	n/a	10.21%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	17.87%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	9.56%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.41%	0.09%	0.36%	0.42%	0.56%	+15 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.00%	0.00%	0.00%	0.00%	0.27%	+27 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	73.93%	83.04%	90.77%	81.74%	79.55%	+561 bps
Liquid Assets / Assets	33.70%	4.05%	4.10%	27.23%	23.71%	-1,000 bps