H P Colorado

Colorado Spring, CO · Charter 22290

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Colorado Spring, CO · Charter 22290

Q2 1998

$49.1MAssets

$27.8MLoans

$43.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.51%-22 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.76%	4.24%	4.14%	4.73%	4.58%	4.33%	4.31%	4.51%	-22 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	n/a	n/a	14.36%	11.71%	11.11%	13.76%	14.94%	+58 bps
Loan Growth (YoY)	n/a	n/a	n/a	36.08%	33.36%	39.91%	31.21%	16.90%	-1,918 bps
Share Growth (YoY)	n/a	n/a	n/a	14.26%	11.15%	10.24%	12.69%	13.33%	-93 bps
Asset Quality
Delinquent Loans / Loans	0.69%	1.14%	0.70%	0.93%	1.17%	1.12%	1.07%	1.42%	+49 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	0.76%	0.81%	0.81%	0.75%	0.86%	0.95%	0.82%	0.80%	+5 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	58.09%	57.63%	59.43%	61.91%	69.70%	73.14%	69.19%	63.86%	+195 bps
Liquid Assets / Assets	21.73%	26.04%	22.00%	26.61%	19.22%	24.75%	23.20%	18.81%	-779 bps