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Northwest Bank

Lake Oswego, OR · Cert 58047

FDIC

Q2 2012

$94.1MAssets
$76.0MLoans
$84.9MDeposits
$8.9MEquity
Loan mix
48%RE $28.0M51%C&I $29.9M1%Consumer $0.7MQ2 2011Q2 2012
Deposit mix
62%Interest-bearing $52.8M38%Noninterest $32.1MQ2 2011Q2 2012

NIM

4.70%Q2 ’104.67%Q2 ’114.57%Q2 ’120%+8%

Non-interest income vs. expense

4.02%Q2 ’104.21%Q2 ’113.99%Q2 ’12+20%-20%

Executive Summary

  • Earnings: ROA of 0.22%, down 19 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 89.48% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

0.22%1-19 bps YoY

Net Interest Margin (quarter, annualized)

4.08%+31 bps YoY

Efficiency Ratio (quarter, annualized)

91.32%-3,329 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.41%0.05%-0.24%0.85%0.22%1-19 bps
Return on Equity5.08%0.63%-2.76%10.16%2.54%-253 bps
Net Interest Margin3.78%3.63%3.68%3.55%4.08%+31 bps
Efficiency Ratio124.60%103.30%165.33%100.41%91.32%-3,329 bps
Non-Interest Burden4.61%3.76%5.19%3.57%3.70%-90 bps
Growth
Asset Growth (YoY)-22.71%-20.70%-16.98%-2.58%-7.45%+1,527 bps
Loan Growth (YoY)-15.16%-19.00%-14.48%-11.63%-0.84%+1,433 bps
Deposit Growth (YoY)-23.43%-21.54%-18.05%-3.21%-8.20%+1,524 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.64%-0.51%0.19%-1.32%0.02%+65 bps
Allowance / Loans2.44%2.65%2.21%2.20%2.20%-24 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 Capital10.62%10.99%11.05%11.48%10.71%+10 bps
Equity / Assets8.64%8.67%8.43%8.27%9.51%+87 bps
Liquidity & Funding
Loans / Deposits82.84%77.21%73.59%70.51%89.48%+664 bps
Liquid Assets / Assets12.58%15.38%15.92%17.27%5.57%-701 bps
CRE / Total Capitaln/an/an/an/an/an/an/a