Quimper

Port Townsend, WA · Charter 89158

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.

Port Townsend, WA · Charter 89158

Q2 1996

$13.3MAssets

$8.8MLoans

$12.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.42%+48 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	3.94%	4.12%	4.37%	4.63%	4.42%	+48 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	7.58%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	9.61%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	5.07%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.38%	0.93%	0.69%	1.00%	0.53%	-85 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.12%	1.17%	0.96%	0.86%	0.50%	-62 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	69.83%	73.79%	81.77%	79.33%	72.85%	+302 bps
Liquid Assets / Assets	11.09%	5.76%	4.63%	6.50%	13.32%	+224 bps