Johns Manville

Denver, CO · Charter 21336

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Denver, CO · Charter 21336

Q2 2000

$49.7MAssets

$32.2MLoans

$44.3MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.91%-378 bps YoY

Net Interest Margin (YTD, annualized)

3.79%

Efficiency Ratio (YTD, annualized)

78.62%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.69%	4.79%	4.52%	1.14%	0.91%	-378 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	3.71%	3.79%	n/a
Efficiency Ratio	n/a	n/a	n/a	72.59%	78.62%	n/a
Growth
Asset Growth (YoY)	13.74%	13.39%	24.69%	18.98%	16.61%	+288 bps
Loan Growth (YoY)	38.14%	25.84%	13.69%	15.12%	9.93%	-2,821 bps
Share Growth (YoY)	12.24%	11.80%	24.30%	18.03%	15.47%	+323 bps
Asset Quality
Delinquent Loans / Loans	0.55%	0.39%	0.55%	0.51%	0.79%	+24 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.90%	0.87%	0.75%	0.57%	0.51%	-39 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	76.40%	75.78%	67.44%	73.95%	72.73%	-367 bps
Liquid Assets / Assets	17.83%	15.03%	14.33%	8.37%	6.53%	-1,130 bps