Cascade Forest Products

Vancouver, WA · Charter 89190

Q4 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: Q4 1996, the quarter ended December 31, 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.

Vancouver, WA · Charter 89190

Q4 1996

$6.3MAssets

$4.5MLoans

$5.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.02%+70 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	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	3.10%	3.32%	3.88%	3.89%	3.56%	4.02%	+70 bps
Return on Equity	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
Efficiency Ratio	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	n/a	5.01%	4.33%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-3.55%	-3.69%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	3.52%	2.08%	n/a
Asset Quality
Delinquent Loans / Loans	0.65%	0.73%	0.24%	0.12%	4.59%	0.89%	+16 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.83%	0.90%	0.65%	0.74%	0.77%	0.86%	-4 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	75.17%	83.60%	87.53%	81.59%	70.04%	78.87%	-473 bps
Liquid Assets / Assets	0.00%	0.00%	3.38%	5.36%	26.34%	19.79%	+1,979 bps