Spokane Postal

Spokane, WA · Charter 89182

Q4 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: Q4 1996, the quarter ended December 31, 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.

Spokane, WA · Charter 89182

Q4 1996

$34.5MAssets

$21.2MLoans

$31.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.11%-7 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	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	4.05%	4.18%	3.89%	4.05%	4.11%	4.11%	-7 bps
Return on Equity	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
Efficiency Ratio	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	-7.51%	-5.90%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	6.32%	-3.35%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-7.92%	-7.83%	n/a
Asset Quality
Delinquent Loans / Loans	0.80%	0.51%	0.34%	0.54%	1.06%	0.46%	-5 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.22%	0.96%	0.93%	0.78%	0.74%	0.71%	-25 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	59.14%	64.21%	70.98%	72.22%	68.28%	67.34%	+313 bps
Liquid Assets / Assets	17.70%	14.39%	11.13%	14.79%	11.35%	13.68%	-71 bps