Jantzen

Portland, OR · Charter 5653

Q2 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: Q2 1996, the quarter ended June 30, 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.

Portland, OR · Charter 5653

Q2 1996

$25.9MAssets

$19.7MLoans

$23.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.40%+39 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	4.01%	3.97%	4.29%	4.38%	4.40%	+39 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	n/a	25.08%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	18.68%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	24.07%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.83%	0.19%	0.27%	1.55%	1.56%	+73 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.69%	0.57%	0.58%	0.50%	0.51%	-18 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	87.55%	96.37%	81.04%	82.78%	83.74%	-380 bps
Liquid Assets / Assets	13.74%	6.89%	19.58%	18.55%	18.16%	+441 bps