Rose Hill

Grand Junction, CO · Charter 13769

Q2 2001

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 2001, the quarter ended June 30, 2001, 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.

Grand Junction, CO · Charter 13769

Q2 2001

$6.5MAssets

$5.2MLoans

$5.7MShares

$741KNet Worth

Return on Assets (YTD, annualized)

1.47%-201 bps YoY

Net Interest Margin (YTD, annualized)

6.09%

Efficiency Ratio (YTD, annualized)

74.40%

Net Worth / Assets

11.34%

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	4.73%	4.29%	3.79%	3.48%	0.96%	0.72%	1.16%	1.47%	-201 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	9.99%	12.95%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	4.98%	5.28%	5.49%	6.09%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	78.59%	80.47%	77.55%	74.40%	n/a
Growth
Asset Growth (YoY)	6.95%	10.06%	19.53%	31.77%	31.69%	23.30%	19.36%	16.57%	-1,520 bps
Loan Growth (YoY)	14.81%	18.38%	16.12%	5.62%	8.32%	19.46%	36.24%	53.34%	+4,772 bps
Share Growth (YoY)	3.72%	7.76%	18.67%	33.02%	33.67%	24.50%	19.45%	15.92%	-1,710 bps
Asset Quality
Delinquent Loans / Loans	1.29%	2.69%	3.01%	2.47%	2.40%	1.05%	0.34%	0.23%	-224 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	1.25%	1.06%	0.97%	0.76%	0.86%	0.58%	0.54%	0.56%	-21 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	11.64%	11.34%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	11.64%	11.34%	n/a
Liquidity & Funding
Loans / Shares	91.40%	87.04%	83.49%	68.98%	74.07%	83.51%	95.22%	91.24%	+2,227 bps
Liquid Assets / Assets	16.77%	18.45%	18.51%	34.93%	19.67%	16.99%	109.68%	15.90%	-1,904 bps