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Mid-Valley Bank

Woodburn, OR · Cert 34892

FDIC

Q1 2006

$100.4MAssets
$73.2MLoans
$81.1MDeposits
$8.9MEquity
Deposit mix
76%Interest-bearing $61.9M24%Noninterest $19.2MQ1 2005Q1 2006

NIM

6.51%Q1 ’046.40%Q1 ’056.90%Q1 ’06-3%-7%

Non-interest income vs. expense

3.90%Q1 ’044.45%Q1 ’055.00%Q1 ’06+20%+12%

Executive Summary

  • Earnings: ROA of -0.41%, down 77 bps year over year; NIM at 4.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 90.31% of deposits as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.41%-77 bps YoY

Net Interest Margin (YTD, annualized)

4.72%-38 bps YoY

Efficiency Ratio (YTD, annualized)

100.48%+1,652 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.36%0.37%0.58%0.68%-0.41%-77 bps
Return on Equity3.71%3.99%6.33%7.44%-4.63%-833 bps
Net Interest Margin5.10%4.68%4.73%4.80%4.72%-38 bps
Efficiency Ratio83.97%85.67%78.80%76.46%100.48%+1,652 bps
Non-Interest Burden4.25%3.98%3.68%3.61%4.75%+49 bps
Growth
Asset Growth (YoY)13.27%12.07%11.60%15.52%10.23%-304 bps
Loan Growth (YoY)11.07%11.23%19.30%20.55%12.29%+122 bps
Deposit Growth (YoY)14.92%15.74%12.73%14.77%5.47%-946 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%-0.01%-0.01%-0.02%0.00%-2 bps
Allowance / Loans1.08%1.07%1.07%1.14%1.21%+13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.44%11.95%12.20%12.13%12.28%-15 bps
Equity / Assets9.30%8.87%8.93%8.92%8.84%-46 bps
Liquidity & Funding
Loans / Deposits84.82%78.69%86.14%91.42%90.31%+549 bps
Liquid Assets / Assets1.12%1.23%1.41%1.03%1.03%-9 bps
CRE / Total Capitaln/an/an/an/an/an/an/a