Hessell - TPC

Portland, OR · Charter 20298

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.

Portland, OR · Charter 20298

Q2 1999

$1.3MAssets

$913KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.97%-174 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	5.43%	5.04%	5.44%	4.71%	4.79%	3.82%	4.42%	2.97%	-174 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	-4.01%	-5.59%	-4.21%	4.86%	4.48%	4.83%	-1.17%	+304 bps
Loan Growth (YoY)	n/a	0.36%	3.62%	2.22%	-6.96%	-1.03%	1.33%	-7.20%	-942 bps
Share Growth (YoY)	n/a	-6.49%	-8.56%	-9.96%	-0.46%	0.81%	2.58%	6.64%	+1,660 bps
Asset Quality
Delinquent Loans / Loans	2.02%	2.06%	3.33%	1.92%	4.56%	1.39%	1.93%	4.25%	+233 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	1.08%	1.12%	1.02%	0.72%	0.75%	0.82%	0.79%	0.88%	+15 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	91.34%	87.87%	94.61%	91.95%	85.38%	86.27%	93.46%	80.02%	-1,193 bps
Liquid Assets / Assets	18.68%	22.12%	16.41%	20.00%	30.27%	22.88%	18.27%	23.75%	+375 bps