Teamsters 58

Longview, WA · Charter 89183

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.

Longview, WA · Charter 89183

Q4 1996

$2.6MAssets

$1.1MLoans

$1.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.34%-63 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	4.34%	4.97%	5.19%	5.71%	5.11%	4.34%	-63 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	-20.16%	-13.72%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-11.38%	-6.55%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-31.77%	-24.06%	n/a
Asset Quality
Delinquent Loans / Loans	0.82%	4.27%	3.44%	2.81%	0.42%	17.67%	+1,340 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.00%	0.00%	0.00%	0.00%	1.66%	2.07%	+207 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	48.29%	52.42%	56.49%	61.59%	62.72%	64.51%	+1,209 bps
Liquid Assets / Assets	56.91%	54.00%	54.15%	52.75%	52.06%	53.34%	-67 bps