Twin Harbors

Cosmopolis, WA · Charter 89189

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.

Cosmopolis, WA · Charter 89189

Q2 1997

$48.5MAssets

$30.5MLoans

$43.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.01%-59 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	4.59%	4.69%	4.52%	4.28%	4.01%	-59 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	13.06%	12.59%	16.43%	n/a
Loan Growth (YoY)	n/a	n/a	13.38%	-1.89%	-4.90%	n/a
Share Growth (YoY)	n/a	n/a	12.12%	12.80%	17.48%	n/a
Asset Quality
Delinquent Loans / Loans	1.10%	0.54%	1.17%	2.18%	1.46%	+36 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.00%	0.00%	0.59%	0.99%	0.79%	+79 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	86.65%	80.63%	74.92%	72.12%	70.14%	-1,650 bps
Liquid Assets / Assets	11.22%	17.50%	22.75%	26.38%	25.73%	+1,452 bps