Albina Community Bank - Portland, Oregon

	2009 Y	2010 Y	2011 Y	2012 Y
Period Ended	12/31/2009	12/31/2010	12/31/2011	12/31/2012
Assets ($000)
Cash and Due from Banks	675	602	513	572
Fed Funds Sold	0	0	0	0
Deposits at Financial Institutions	10,037	5,187	10,866	14,953
Securities Purchased, to Resell	0	0	0	0
Other Cash & Cash Equivalents	0	0	0	0
Cash and Cash Equivalents	10,712	5,789	11,379	15,525
Trading Account Securities	0	0	0	0
Available for Sale Securities	37,612	15,820	19,069	27,687
Held to Maturity Securities	0	0	0	0
Other Securities	1,325	1,325	1,325	1,302
Total Cash & Securities	49,648	22,934	31,773	44,514

Liabilities ($000)
Total Deposits	164,927	129,207	119,738	118,745
FHLB Borrowings	20,704	7,873	2,570	NA
Senior Debt	23,305	10,434	5,089	2,975
Trust Preferred (FAS 150)	6,186	6,186	6,186	6,186
Total Subordinated Debt	6,186	6,186	6,186	6,186
Redeemable Financial Instruments (FAS 150)	0	0	0	0
Total Debt	29,491	16,620	11,275	9,161
Memo: Consolidated VIE Liabilities	NA	NA	0	NA
Total Other Liabilities	1,912	2,048	2,461	2,383
Total Liabilities	196,330	147,876	133,474	130,289

Mezzanine ($000)
Redeemable Preferred	0	0	0	0
Trust Preferred Securities	0	0	0	0
Total Minority Interest	0	0	0	0
Other Mezzanine Items	0	0	0	0
Total Mezzanine Level Items	0	0	0	0

Equity ($000)
TARP Preferred Equity	0	0	0	0
Other Preferred Equity	2,482	2,482	2,482	2,482
Total Preferred Equity	2,482	2,482	2,482	2,482
Common Equity	1,157	(3,858)	(3,745)	(4,322)
Equity Attributable to Parent Company	3,639	(1,376)	(1,263)	(1,840)
Noncontrolling Interests	0	0	0	0
Total Equity	3,639	(1,376)	(1,263)	(1,840)
Net Unrealized Gain	513	370	190	(8)

Balance Sheet Analysis (%)
Gross Loans HFI / Total Assets	70.59	79.01	70.50	60.05
Loans / Deposits	85.59	89.59	77.85	64.95
Loan Loss Reserves / Gross Loans	2.78	2.85	3.12	3.53
Reserves / Loans Held For Investment	2.78	2.85	3.12	3.53
One Year Gap / Assets	NA	NA	NA	NA
1-4 Loans Serviced for Others ($000)	0	0	0	0
Level 1 Assets ($000)	0	0	0	NA
Level 2 Assets ($000)	37,612	15,820	19,069	NA
Level 3 Assets ($000)	20,075	8,590	8,155	NA
Level 1 Liabilities ($000)	NA	NA	NA	NA
Level 2 Liabilities ($000)	NA	NA	NA	NA
Level 3 Liabilities ($000)	NA	NA	NA	NA
FTE Employees (actual)	43	39	37	35

Annualized Growth Rates (%)
Asset Growth	(7.29)	(26.74)	(9.75)	(2.84)
Gross Loans HFI Growth	(13.52)	(18.00)	(19.47)	(17.26)
Deposit Growth	(1.31)	(21.66)	(7.33)	(0.83)

Average Balances ($000)
Avg Gross Loans HFI	154,766	129,719	101,315	83,154
Avg Loans HFS	0	0	0	0
Average Loans, Gross of Reserves	154,766	129,719	101,315	83,154
Avg Securities	NA	NA	NA	NA
Avg Other Int Earn Assets	NA	NA	NA	NA
Avg Secs & Other Int Earn Assets	32,377	19,265	23,052	37,121
Avg Interest Earning Assets	187,143	148,984	124,367	120,275
Avg Assets	219,333	172,537	134,919	131,480


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