North Central

Wenatchee, WA · Charter 89187

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.

Wenatchee, WA · Charter 89187

Q4 1996

$25.3MAssets

$18.7MLoans

$22.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.39%-1 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	4.49%	4.41%	4.65%	4.79%	4.50%	4.39%	-1 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	6.91%	6.92%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	14.97%	20.14%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	3.47%	4.35%	n/a
Asset Quality
Delinquent Loans / Loans	0.76%	0.89%	0.67%	0.75%	0.71%	0.52%	-37 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%	0.64%	0.58%	+58 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	72.14%	73.34%	83.97%	80.44%	80.16%	84.44%	+1,109 bps
Liquid Assets / Assets	19.66%	21.57%	16.77%	17.64%	21.42%	18.66%	-290 bps