Mountain Valley

Hood River, OR · Charter 18070

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Hood River, OR · Charter 18070

Q2 2000

$8.5MAssets

$3.4MLoans

$8.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.12%-267 bps YoY

Net Interest Margin (YTD, annualized)

3.47%

Efficiency Ratio (YTD, annualized)

99.57%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.17%	4.46%	4.64%	2.56%	1.25%	2.92%	-0.41%	-0.12%	-267 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	3.62%	3.47%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	99.45%	99.57%	n/a
Growth
Asset Growth (YoY)	47.32%	48.42%	46.33%	24.27%	23.32%	15.84%	7.88%	-6.45%	-3,073 bps
Loan Growth (YoY)	15.23%	25.08%	36.29%	23.48%	-7.94%	-32.36%	-40.52%	-39.59%	-6,307 bps
Share Growth (YoY)	53.09%	51.76%	50.41%	24.61%	27.90%	20.92%	12.52%	-2.39%	-2,700 bps
Asset Quality
Delinquent Loans / Loans	1.56%	1.18%	0.05%	8.27%	2.45%	3.20%	3.01%	3.34%	-494 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	0.49%	0.35%	0.62%	1.24%	2.82%	2.79%	3.23%	3.31%	+207 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	73.30%	79.27%	81.60%	68.85%	52.76%	44.34%	43.14%	42.61%	-2,624 bps
Liquid Assets / Assets	18.02%	13.68%	10.52%	21.45%	21.81%	32.57%	37.17%	34.91%	+1,346 bps