Spokane Catholic

Spokane, WA · Charter 89247

Q2 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: Q2 1996, the quarter ended June 30, 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.

Spokane, WA · Charter 89247

Q2 1996

$4.2MAssets

$3.3MLoans

$3.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.15%+300 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	YoY Δ	Trend
Earnings
Return on Assets	2.15%	4.56%	5.71%	5.01%	5.15%	+300 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	n/a	n/a	10.41%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	6.47%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	7.52%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.03%	0.07%	0.67%	0.69%	0.33%	-70 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%	0.51%	0.37%	0.50%	+50 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	91.50%	96.52%	98.82%	91.85%	90.61%	-90 bps
Liquid Assets / Assets	15.67%	10.70%	7.26%	16.26%	18.79%	+313 bps