Sno Falls

Snoqualmie, WA · Charter 89213

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.

Snoqualmie, WA · Charter 89213

Q2 1997

$12.8MAssets

$9.4MLoans

$11.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.57%-75 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	YoY Δ	Trend
Earnings
Return on Assets	3.44%	3.80%	4.31%	4.18%	3.91%	3.94%	3.57%	-75 bps
Return on Equity	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
Efficiency Ratio	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	11.08%	22.85%	20.88%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	36.21%	41.52%	31.73%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	8.88%	22.82%	20.78%	n/a
Asset Quality
Delinquent Loans / Loans	0.50%	0.15%	0.13%	0.66%	0.20%	0.21%	0.86%	+73 bps
Net Charge-Offs / Loans	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%	0.32%	0.42%	0.44%	+44 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	60.20%	68.13%	74.13%	71.03%	75.31%	78.50%	80.85%	+672 bps
Liquid Assets / Assets	24.81%	15.52%	10.66%	17.86%	15.69%	14.55%	18.91%	+825 bps