Pacific NW Chevron

Portland, OR · Charter 61458

Q4 1998

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 1998, the quarter ended December 31, 1998, 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 61458

Q4 1998

$2.1MAssets

$1.4MLoans

$1.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.00%-45 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.79%	4.77%	4.16%	4.45%	4.41%	4.06%	4.04%	4.00%	-45 bps
Return on Equity	n/a	n/a	n/a	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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	-2.96%	-9.80%	-1.99%	3.84%	0.98%	6.34%	+1,614 bps
Loan Growth (YoY)	n/a	n/a	-8.06%	-12.32%	-6.38%	-5.43%	-2.00%	1.63%	+1,396 bps
Share Growth (YoY)	n/a	n/a	-3.49%	-13.55%	-5.00%	2.67%	-0.57%	6.10%	+1,966 bps
Asset Quality
Delinquent Loans / Loans	1.54%	3.05%	0.09%	4.81%	2.42%	0.58%	0.92%	0.00%	-481 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.04%	1.19%	1.32%	1.38%	0.83%	1.06%	0.64%	0.43%	-95 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	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	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	86.20%	79.55%	75.31%	82.73%	84.95%	73.27%	74.23%	79.24%	-349 bps
Liquid Assets / Assets	19.31%	23.12%	29.62%	22.74%	15.21%	35.59%	33.35%	31.95%	+921 bps