St. Joseph's Tri-Parish

Cheyenne, WY · Charter 15213

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.

Cheyenne, WY · Charter 15213

Q2 2001

$3.3MAssets

$2.3MLoans

$3.1MShares

$229KNet Worth

Return on Assets (YTD, annualized)

1.12%-222 bps YoY

Net Interest Margin (YTD, annualized)

4.22%

Efficiency Ratio (YTD, annualized)

100.54%

Net Worth / Assets

6.89%

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	3.47%	4.49%	4.33%	3.34%	-3.78%	0.84%	1.39%	1.12%	-222 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	19.73%	16.21%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.92%	4.98%	5.35%	4.22%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	112.36%	78.68%	93.37%	100.54%	n/a
Growth
Asset Growth (YoY)	35.75%	35.44%	39.48%	38.86%	10.69%	-9.27%	-21.99%	-23.98%	-6,283 bps
Loan Growth (YoY)	59.35%	62.96%	55.54%	38.54%	14.79%	-10.75%	-21.82%	-28.36%	-6,690 bps
Share Growth (YoY)	38.26%	37.34%	41.71%	40.70%	15.09%	-6.86%	-21.19%	-23.80%	-6,450 bps
Asset Quality
Delinquent Loans / Loans	0.43%	0.56%	0.07%	0.46%	0.55%	0.26%	0.35%	1.99%	+152 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	0.78%	0.66%	0.65%	0.68%	3.07%	2.53%	1.47%	0.66%	-2 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	7.03%	6.89%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	7.03%	6.89%	n/a
Liquidity & Funding
Loans / Shares	82.30%	87.86%	89.73%	78.49%	82.08%	84.19%	89.01%	73.79%	-470 bps
Liquid Assets / Assets	17.20%	11.24%	10.12%	14.69%	15.15%	12.55%	10.82%	24.27%	+958 bps