Rose City of Oregon

Milwaukie, OR · Charter 9363

Q2 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: Q2 1996, the quarter ended June 30, 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.

Milwaukie, OR · Charter 9363

Q2 1996

$8.9MAssets

$3.8MLoans

$7.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.52%-97 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	YoY Δ	Trend
Earnings
Return on Assets	3.49%	3.72%	2.91%	2.59%	2.52%	-97 bps
Return on Equity	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
Efficiency Ratio	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	-5.07%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-15.47%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-6.68%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.89%	1.04%	1.58%	2.14%	2.24%	+35 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.52%	1.58%	1.84%	1.81%	2.17%	+66 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	53.15%	56.75%	56.05%	53.92%	48.14%	-501 bps
Liquid Assets / Assets	24.28%	11.23%	18.38%	33.61%	33.80%	+952 bps