NW Industries

Portland, OR · Charter 64161

Q2 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: Q2 1998, the quarter ended June 30, 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 64161

Q2 1998

$2.8MAssets

$2.1MLoans

$2.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-1.64%-496 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	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	2.95%	3.11%	3.54%	3.32%	3.42%	3.67%	3.42%	-1.64%	-496 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	n/a	-2.05%	6.40%	7.66%	11.40%	-3.74%	-168 bps
Loan Growth (YoY)	n/a	n/a	n/a	18.10%	13.86%	6.29%	9.69%	-7.86%	-2,595 bps
Share Growth (YoY)	n/a	n/a	n/a	-2.26%	7.07%	4.90%	9.84%	-9.56%	-729 bps
Asset Quality
Delinquent Loans / Loans	0.32%	0.08%	0.31%	0.08%	0.05%	1.83%	1.68%	6.26%	+618 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	1.64%	1.50%	1.09%	1.16%	1.15%	1.09%	1.36%	0.32%	-83 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	82.02%	86.25%	82.37%	91.34%	87.22%	87.39%	82.27%	93.05%	+172 bps
Liquid Assets / Assets	6.72%	17.13%	14.40%	4.34%	7.99%	8.82%	14.03%	7.11%	+277 bps