Oregon Business Bank

Lake Oswego, OR · Cert 35256

FDIC

Q4 2001

$38.8MAssets

$33.6MLoans

$33.2MDeposits

$4.7MEquity

Deposit mix

Executive Summary

Earnings: ROA of -0.05%, down 11 bps year over year; NIM at 3.95%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 101.27% of deposits as of Q4 2001.

Return on Assets (quarter, annualized)

-0.05%-11 bps YoY

Net Interest Margin (quarter, annualized)

3.95%

Efficiency Ratio (quarter, annualized)

100.24%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	-0.73%	-0.63%	-0.36%	0.06%	0.67%	0.91%	0.73%	-0.05%	-11 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	6.59%	5.89%	-0.42%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.98%	4.56%	4.32%	3.95%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	72.89%	66.67%	73.93%	100.24%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.85%	3.00%	3.15%	3.96%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	272%	162.32%	99.67%	106.94%	25.21%	-24,687 bps
Loan Growth (YoY)	n/a	n/a	n/a	382%	146.87%	119.74%	99.72%	68.35%	-31,348 bps
Deposit Growth (YoY)	n/a	n/a	n/a	608%	261%	153.01%	153.16%	31.11%	-57,718 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	0.00%	0.00%	0.00%	0.00%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.57%	1.30%	1.27%	1.37%	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	18.71%	15.29%	14.47%	13.80%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	14.11%	13.60%	11.41%	12.14%	n/a
Liquidity & Funding
Loans / Deposits	126.70%	124.80%	118.80%	78.87%	86.56%	108.39%	93.72%	101.27%	+2,240 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	3.09%	4.41%	3.67%	3.93%	+393 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a