Oregon Trail

The Dalles, OR · Charter 12046

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

The Dalles, OR · Charter 12046

Q2 1999

$5.7MAssets

$3.5MLoans

$5.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.17%+86 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.82%	4.22%	2.88%	2.31%	3.18%	2.42%	1.96%	3.17%	+86 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	13.86%	24.07%	25.22%	15.66%	-1.21%	-2.30%	-13.01%	-3,823 bps
Loan Growth (YoY)	n/a	-0.62%	-19.56%	-19.91%	-15.05%	2.53%	4.79%	-1.80%	+1,811 bps
Share Growth (YoY)	n/a	12.79%	26.23%	29.70%	21.03%	3.50%	-1.80%	-8.50%	-3,820 bps
Asset Quality
Delinquent Loans / Loans	6.45%	5.57%	5.34%	4.49%	3.85%	3.62%	3.68%	2.71%	-178 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	1.80%	0.52%	1.25%	0.75%	0.56%	0.98%	1.44%	2.57%	+182 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	86.03%	66.17%	60.35%	56.66%	60.38%	65.55%	64.39%	60.81%	+415 bps
Liquid Assets / Assets	4.99%	27.15%	37.29%	35.90%	33.44%	25.76%	23.50%	29.40%	-650 bps