Yakima County Federal Emp.

Wapato, WA · Charter 89146

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.

Wapato, WA · Charter 89146

Q2 1996

$769KAssets

$593KLoans

$679KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.96%-110 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	5.06%	5.48%	4.98%	2.30%	3.96%	-110 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	4.24%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-15.74%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	2.73%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	2.83%	2.88%	4.54%	5.98%	6.91%	+409 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%	0.52%	0.49%	0.73%	+73 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	106.52%	102.73%	99.25%	102.27%	87.36%	-1,915 bps
Liquid Assets / Assets	1.34%	0.00%	4.96%	5.67%	18.69%	+1,735 bps