Salt Creek

Casper, WY · Charter 12842

Q4 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: Q4 1998, the quarter ended December 31, 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.

Casper, WY · Charter 12842

Q4 1998

$219KAssets

$102KLoans

$205KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-1.35%-446 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	2.58%	2.96%	3.34%	3.10%	0.70%	1.18%	0.99%	-1.35%	-446 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	-12.65%	-6.46%	-9.08%	-12.09%	-29.84%	-57.17%	-5,072 bps
Loan Growth (YoY)	n/a	n/a	18.08%	3.70%	-9.36%	-40.87%	-64.14%	-67.85%	-7,155 bps
Share Growth (YoY)	n/a	n/a	-18.60%	-10.30%	-12.12%	-15.93%	-37.11%	-43.68%	-3,337 bps
Asset Quality
Delinquent Loans / Loans	2.22%	1.76%	0.00%	6.82%	35.31%	37.60%	6.64%	6.00%	-83 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	1.95%	1.82%	2.24%	2.96%	4.00%	5.29%	1.74%	8.41%	+545 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	69.59%	94.28%	96.91%	87.15%	71.77%	66.31%	55.25%	49.75%	-3,740 bps
Liquid Assets / Assets	38.25%	22.17%	24.26%	35.19%	36.12%	39.06%	44.92%	2.24%	-3,295 bps