Timberline Community Bank

Yreka, CA · Cert 23139

FDIC

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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.

Yreka, CA · Cert 23139

FDIC

Q1 2001

$98.1MAssets

$57.2MLoans

$88.7MDeposits

$8.6MEquity

Loan mix

Deposit mix

Earnings: ROA of 0.46%, down 38 bps year over year; NIM at 4.23%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
Funding: loans stand at 64.48% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.46%-38 bps YoY

Net Interest Margin (YTD, annualized)

4.23%

n/a

Efficiency Ratio (YTD, annualized)

82.50%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.77%	0.86%	0.90%	0.84%	0.96%	1.09%	1.04%	0.46%	-38 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	4.23%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	82.50%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.38%	n/a	n/a
Growth
Asset Growth (YoY)	3.10%	3.14%	1.26%	2.18%	2.19%	4.34%	1.44%	4.42%	+224 bps
Loan Growth (YoY)	9.26%	28.40%	10.88%	14.49%	12.52%	1.94%	-0.33%	-2.82%	-1,731 bps
Deposit Growth (YoY)	3.21%	1.89%	1.40%	2.27%	1.73%	5.81%	0.79%	4.11%	+184 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-0.01%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.92%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	13.32%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	8.73%	n/a	n/a
Liquidity & Funding
Loans / Deposits	64.60%	70.37%	69.22%	69.08%	71.46%	67.80%	68.45%	64.48%	-460 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.94%	+194 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a