Parco Community

Sinclair, WY · Charter 1708

Q4 1999

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 1999, the quarter ended December 31, 1999, 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.

Sinclair, WY · Charter 1708

Q4 1999

$2.1MAssets

$1.4MLoans

$2.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-41.46%-4,562 bps YoY

Net Interest Margin (YTD, annualized)

3.72%

n/a

Efficiency Ratio (YTD, annualized)

80.96%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.81%	4.32%	4.86%	4.16%	3.46%	4.34%	3.75%	-41.46%	-4,562 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	3.72%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	80.96%	n/a	n/a
Growth
Asset Growth (YoY)	30.58%	27.23%	41.71%	60.14%	43.87%	35.51%	78.79%	28.47%	-3,167 bps
Loan Growth (YoY)	16.01%	5.46%	3.08%	43.98%	30.35%	39.13%	143.33%	6.45%	-3,753 bps
Share Growth (YoY)	31.67%	32.53%	48.33%	58.02%	41.18%	34.15%	47.99%	51.41%	-661 bps
Asset Quality
Delinquent Loans / Loans	0.74%	0.77%	1.98%	1.02%	2.77%	2.69%	2.50%	4.20%	+318 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	1.51%	1.53%	1.76%	1.27%	1.75%	2.31%	1.46%	2.80%	+153 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	87.54%	84.44%	73.33%	87.81%	80.82%	87.58%	120.57%	61.73%	-2,608 bps
Liquid Assets / Assets	9.69%	12.12%	20.89%	11.73%	19.96%	13.81%	4.31%	23.73%	+1,200 bps