Eastside Municipal

Seattle, WA · Charter 89194

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 89194

Q4 1997

$5.6MAssets

$4.7MLoans

$5.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.22%-19 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	3.72%	3.90%	4.14%	4.41%	4.38%	4.53%	4.23%	4.22%	-19 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	4.71%	7.19%	7.07%	11.79%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	3.78%	2.81%	-1.02%	1.24%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	3.70%	8.71%	7.59%	11.60%	n/a
Asset Quality
Delinquent Loans / Loans	0.04%	0.39%	0.17%	0.21%	0.24%	0.16%	0.16%	0.59%	+38 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%	0.45%	0.43%	0.41%	0.37%	+37 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	98.60%	108.77%	106.04%	102.31%	98.68%	102.87%	97.57%	92.80%	-950 bps
Liquid Assets / Assets	9.29%	2.64%	4.33%	5.69%	10.72%	7.15%	10.94%	14.94%	+925 bps