G W

Denver, CO · Charter 5865

Q4 1999

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 1999, the quarter ended December 31, 1999, 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 5865

Q4 1999

$4.8MAssets

$4.1MLoans

$5.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-18.04%-2,390 bps YoY

Net Interest Margin (YTD, annualized)

5.35%

n/a

Efficiency Ratio (YTD, annualized)

56.45%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	5.94%	5.41%	7.81%	5.87%	5.88%	5.59%	6.39%	-18.04%	-2,390 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	5.35%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	56.45%	n/a	n/a
Growth
Asset Growth (YoY)	37.49%	49.07%	43.72%	50.49%	84.00%	103.35%	116.40%	47.52%	-297 bps
Loan Growth (YoY)	105.05%	60.12%	54.87%	39.96%	56.29%	76.03%	73.10%	50.56%	+1,061 bps
Share Growth (YoY)	31.87%	64.42%	55.19%	66.66%	101.84%	109.67%	129.19%	82.18%	+1,551 bps
Asset Quality
Delinquent Loans / Loans	2.39%	4.04%	3.50%	4.14%	3.23%	0.82%	1.73%	13.70%	+956 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	1.13%	0.69%	1.10%	1.23%	0.86%	0.72%	1.01%	22.77%	+2,154 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	111.19%	100.33%	103.70%	95.04%	86.10%	84.23%	78.32%	78.55%	-1,649 bps
Liquid Assets / Assets	9.12%	10.08%	7.67%	16.28%	14.36%	20.17%	21.77%	24.58%	+830 bps