FBW

Englewood, CO · Charter 17770

Q2 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: Q2 1999, the quarter ended June 30, 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.

Englewood, CO · Charter 17770

Q2 1999

$1.3MAssets

$844KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

6.20%+127 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	5.18%	5.85%	5.28%	4.92%	5.46%	5.72%	5.67%	6.20%	+127 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	-4.87%	11.88%	22.29%	19.92%	30.49%	17.24%	-4.46%	-2,676 bps
Loan Growth (YoY)	n/a	50.46%	19.62%	15.32%	19.90%	8.89%	26.46%	26.37%	+1,105 bps
Share Growth (YoY)	n/a	-8.91%	10.68%	23.00%	20.00%	32.48%	16.37%	-9.31%	-3,231 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.27%	0.26%	0.25%	0.20%	0.15%	0.49%	0.31%	+6 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	0.29%	0.25%	0.28%	0.35%	0.43%	0.54%	0.66%	0.65%	+30 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	67.26%	81.55%	62.96%	56.14%	67.20%	67.02%	68.42%	78.23%	+2,209 bps
Liquid Assets / Assets	30.49%	25.70%	30.24%	32.34%	29.81%	20.65%	23.72%	24.61%	-773 bps