Bank of Cherry Creek in Boulder, National Association, The

Boulder, CO · Cert 34418

FDIC

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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 · Cert 34418

FDIC

Q1 2001

$35.5MAssets

$25.0MLoans

$29.9MDeposits

$3.2MEquity

Loan mix

Deposit mix

Earnings: ROA of 0.32%, up 21 bps year over year; NIM at 4.19%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.94%.
Funding: loans stand at 83.50% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.32%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.19%

n/a

Efficiency Ratio (YTD, annualized)

84.69%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	-0.90%	-0.77%	-0.53%	0.11%	0.22%	0.32%	0.37%	0.32%	+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	n/a	n/a	n/a	4.19%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	84.69%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.46%	n/a	n/a
Growth
Asset Growth (YoY)	31.81%	13.38%	21.77%	30.91%	21.18%	15.85%	6.54%	3.67%	-2,724 bps
Loan Growth (YoY)	58.03%	40.89%	33.56%	27.15%	20.06%	17.42%	9.20%	2.12%	-2,503 bps
Deposit Growth (YoY)	38.36%	4.82%	13.31%	42.71%	22.65%	27.86%	20.98%	3.42%	-3,929 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	n/a	n/a	n/a	0.94%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.11%	n/a	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	n/a	n/a	n/a	12.04%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	9.02%	n/a	n/a
Liquidity & Funding
Loans / Deposits	88.33%	97.74%	95.17%	84.56%	86.47%	89.76%	85.90%	83.50%	-106 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.08%	+8 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a