First Technology

Beaverton, OR · Charter 7592

Q1 1997

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: Q1 1997, the quarter ended March 31, 1997, 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.

Beaverton, OR · Charter 7592

Q1 1997

$409.8MAssets

$277.4MLoans

$340.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.68%+19 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	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	Q1 1997	YoY Δ	Trend
Earnings
Return on Assets	4.23%	4.32%	4.34%	4.49%	4.55%	n/a	4.41%	4.68%	+19 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)	24.36%	19.79%	19.48%	23.43%	18.48%	17.13%	22.22%	19.82%	-362 bps
Loan Growth (YoY)	28.35%	29.59%	27.60%	33.89%	40.44%	37.09%	31.17%	26.56%	-732 bps
Share Growth (YoY)	24.73%	21.38%	20.77%	17.60%	13.46%	15.31%	14.81%	16.00%	-160 bps
Asset Quality
Delinquent Loans / Loans	0.29%	0.36%	0.26%	0.30%	0.23%	0.29%	0.46%	0.44%	+13 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	0.56%	0.55%	0.55%	0.57%	0.54%	0.56%	0.56%	0.55%	-2 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	64.22%	67.63%	73.35%	74.60%	79.49%	80.41%	83.80%	81.39%	+680 bps
Liquid Assets / Assets	37.66%	35.21%	31.65%	33.76%	28.26%	26.31%	28.40%	27.06%	-670 bps