Bank of Cherry Creek, National Association, The

Denver, CO · Cert 33075

FDIC

Q4 2001

$346.3MAssets

$247.9MLoans

$298.0MDeposits

$25.4MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.16%, down 21 bps year over year; NIM at 4.29%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
Funding: loans stand at 83.20% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

1.16%-21 bps YoY

Net Interest Margin (YTD, annualized)

4.29%

Efficiency Ratio (YTD, annualized)

70.49%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.46%	1.45%	1.41%	1.36%	1.19%	1.23%	1.22%	1.16%	-21 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	5.12%	4.79%	4.45%	4.29%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	68.76%	69.22%	69.07%	70.49%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.87%	2.62%	2.42%	2.41%	n/a
Growth
Asset Growth (YoY)	12.05%	15.15%	11.91%	14.39%	17.38%	23.06%	28.98%	26.08%	+1,169 bps
Loan Growth (YoY)	32.56%	32.84%	20.71%	25.15%	23.36%	27.67%	29.42%	31.39%	+624 bps
Deposit Growth (YoY)	11.27%	11.59%	10.67%	14.38%	17.22%	28.49%	32.24%	28.51%	+1,413 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.24%	0.15%	0.14%	0.27%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.81%	1.91%	1.92%	1.65%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	10.18%	10.96%	11.16%	10.17%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	7.68%	8.32%	8.25%	7.32%	n/a
Liquidity & Funding
Loans / Deposits	76.40%	84.69%	83.66%	81.38%	80.40%	84.15%	81.88%	83.20%	+183 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.05%	0.06%	0.06%	0.07%	+7 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a