Global

Spokane, WA · Charter 9790

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.

Spokane, WA · Charter 9790

Q4 1996

$140.9MAssets

$105.7MLoans

$125.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.23%+7 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	Q1 1995	Q2 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	4.47%	4.34%	4.29%	4.15%	4.19%	4.17%	n/a	4.23%	+7 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)	3.20%	7.12%	4.30%	6.79%	6.16%	6.69%	8.88%	7.32%	+53 bps
Loan Growth (YoY)	3.44%	0.43%	0.50%	-0.28%	3.71%	6.09%	8.60%	8.62%	+891 bps
Share Growth (YoY)	3.32%	7.86%	2.47%	4.71%	5.49%	5.64%	4.98%	6.97%	+225 bps
Asset Quality
Delinquent Loans / Loans	1.28%	1.30%	1.31%	1.38%	1.13%	1.02%	0.99%	1.22%	-17 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	1.46%	1.47%	1.45%	1.43%	1.42%	1.30%	1.31%	1.36%	-7 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	83.49%	83.62%	84.37%	82.76%	82.08%	83.98%	87.28%	84.04%	+128 bps
Liquid Assets / Assets	7.49%	7.00%	5.70%	7.47%	7.56%	4.58%	3.14%	7.36%	-11 bps