Community Bank-Dove Creek

Dove Creek, CO · Cert 16758

FDIC

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.

Dove Creek, CO · Cert 16758

FDIC

Q2 2001

$32.1MAssets

$23.7MLoans

$29.0MDeposits

$2.9MEquity

Deposit mix

Earnings: ROA of 0.99%, down 11 bps year over year; NIM at 4.50%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
Funding: loans stand at 81.93% of deposits as of Q2 2001.

Return on Assets (YTD, annualized)

0.99%-11 bps YoY

Net Interest Margin (YTD, annualized)

4.50%

Efficiency Ratio (YTD, annualized)

68.19%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	1.50%	1.48%	1.13%	1.10%	1.06%	0.91%	0.74%	0.99%	-11 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	3.92%	4.50%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	72.47%	68.19%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	2.61%	2.83%	n/a
Growth
Asset Growth (YoY)	57.09%	53.26%	46.98%	48.27%	19.40%	10.87%	9.06%	8.25%	-4,002 bps
Loan Growth (YoY)	57.13%	69.73%	47.05%	57.83%	29.00%	17.45%	44.46%	40.79%	-1,704 bps
Deposit Growth (YoY)	62.31%	55.09%	48.42%	52.46%	16.08%	15.12%	12.87%	11.72%	-4,074 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	0.09%	0.30%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	1.09%	0.89%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	11.20%	10.13%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	9.52%	9.19%	n/a
Liquidity & Funding
Loans / Deposits	58.96%	65.27%	61.48%	65.02%	65.52%	66.59%	78.68%	81.93%	+1,692 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.18%	0.17%	+17 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a