Boulder Community Hospital

Boulder, CO · Charter 19534

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Boulder, CO · Charter 19534

Q4 1997

$3.2MAssets

$1.7MLoans

$2.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.08%-17 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	YoY Δ	Trend
Earnings
Return on Assets	4.25%	4.43%	3.24%	3.94%	4.08%	-17 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	52.28%	46.35%	34.55%	10.44%	n/a
Loan Growth (YoY)	n/a	64.25%	33.94%	-0.46%	-26.33%	n/a
Share Growth (YoY)	n/a	54.71%	50.04%	37.73%	11.08%	n/a
Asset Quality
Delinquent Loans / Loans	1.64%	0.39%	4.38%	5.19%	4.00%	+236 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.23%	1.08%	1.69%	2.96%	2.39%	+116 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	89.64%	82.67%	79.46%	71.72%	59.45%	-3,019 bps
Liquid Assets / Assets	19.70%	21.70%	24.79%	32.31%	33.13%	+1,343 bps