Washington County

Hillsboro, OR · Charter 16969

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.

Hillsboro, OR · Charter 16969

Q4 1997

$15.3MAssets

$11.9MLoans

$13.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.44%-9 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	YoY Δ	Trend
Earnings
Return on Assets	4.52%	4.60%	4.82%	4.26%	4.44%	-9 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	17.11%	15.77%	22.89%	25.45%	n/a
Loan Growth (YoY)	n/a	44.52%	31.31%	13.23%	14.23%	n/a
Share Growth (YoY)	n/a	15.77%	14.46%	22.09%	24.16%	n/a
Asset Quality
Delinquent Loans / Loans	0.12%	0.23%	1.13%	0.52%	0.88%	+76 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.50%	0.35%	0.52%	0.22%	0.42%	-8 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	94.40%	85.11%	94.48%	86.39%	86.85%	-755 bps
Liquid Assets / Assets	8.00%	10.00%	4.41%	13.27%	14.15%	+615 bps