Spokane Law Enforcement

Spokane, WA · Charter 89167

Q2 1997

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 1997, the quarter ended June 30, 1997, 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 89167

Q2 1997

$11.1MAssets

$7.6MLoans

$9.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.61%-27 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.87%	3.65%	3.26%	3.32%	3.61%	-27 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	8.53%	14.84%	18.24%	n/a
Loan Growth (YoY)	n/a	n/a	3.91%	7.76%	9.46%	n/a
Share Growth (YoY)	n/a	n/a	7.15%	15.53%	20.88%	n/a
Asset Quality
Delinquent Loans / Loans	0.21%	0.20%	0.80%	1.41%	0.31%	+10 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.52%	0.41%	0.27%	0.25%	0.50%	-2 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	88.32%	84.38%	74.05%	72.93%	79.98%	-834 bps
Liquid Assets / Assets	7.09%	10.39%	22.41%	23.62%	16.47%	+938 bps