Weyerhaeuser

Longview, WA · Charter 89150

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.

Longview, WA · Charter 89150

Q2 1996

$233.2MAssets

$162.4MLoans

$200.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.36%+18 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	Q3 1994	Q4 1994	Q2 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	4.55%	4.61%	4.68%	4.18%	4.34%	4.22%	4.04%	4.36%	+18 bps
Return on Equity	n/a	n/a	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	n/a	n/a
Efficiency Ratio	n/a	n/a	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	-0.72%	0.05%	8.03%	7.55%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	13.88%	7.33%	7.81%	13.30%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-2.28%	-0.88%	6.76%	7.85%	n/a
Asset Quality
Delinquent Loans / Loans	0.34%	0.37%	0.41%	0.37%	0.39%	0.47%	0.35%	0.26%	-11 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.75%	0.74%	0.73%	0.80%	0.72%	0.72%	0.71%	0.70%	-10 bps
Capital
Risk-Based Capital	n/a	n/a	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	n/a	n/a
Liquidity & Funding
Loans / Shares	65.94%	71.61%	75.53%	77.23%	76.85%	77.54%	76.26%	81.13%	+390 bps
Liquid Assets / Assets	8.91%	6.68%	4.65%	8.68%	9.82%	9.52%	11.22%	10.52%	+183 bps