Crown

West Linn, OR · Charter 3534

Q4 1996

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: Q4 1996, the quarter ended December 31, 1996, 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.

West Linn, OR · Charter 3534

Q4 1996

$20.2MAssets

$11.0MLoans

$18.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.17%+63 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	3.53%	4.30%	4.56%	4.54%	4.17%	+63 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	-2.34%	5.74%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	-4.25%	-8.51%	n/a
Share Growth (YoY)	n/a	n/a	n/a	-4.21%	3.52%	n/a
Asset Quality
Delinquent Loans / Loans	0.82%	0.77%	0.85%	1.17%	1.85%	+103 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.72%	1.76%	1.85%	2.26%	2.21%	+49 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	67.29%	66.27%	66.30%	58.71%	59.47%	-782 bps
Liquid Assets / Assets	31.28%	29.99%	31.64%	35.38%	38.93%	+764 bps