Eastside

Seattle, WA · Charter 89184

Q4 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: Q4 1997, the quarter ended December 31, 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.

Seattle, WA · Charter 89184

Q4 1997

$10.1MAssets

$6.9MLoans

$8.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.78%-65 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	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.48%	3.69%	4.15%	4.43%	3.97%	3.72%	3.81%	3.78%	-65 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	-7.40%	7.12%	16.52%	27.23%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-9.99%	-3.09%	-4.90%	2.95%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-8.76%	5.79%	16.68%	28.93%	n/a
Asset Quality
Delinquent Loans / Loans	0.51%	0.44%	0.34%	0.52%	0.58%	0.53%	0.30%	0.69%	+18 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	0.00%	0.00%	0.00%	0.00%	1.09%	0.95%	0.67%	0.59%	+59 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	89.57%	95.65%	101.32%	97.14%	88.36%	87.62%	82.58%	77.56%	-1,958 bps
Liquid Assets / Assets	18.76%	13.79%	10.11%	11.62%	22.44%	23.42%	24.85%	27.93%	+1,631 bps