Methodist Ministers

Denver, CO · Charter 62699

Q4 1996

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 1996, the quarter ended December 31, 1996, 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 62699

Q4 1996

$1.6MAssets

$1.2MLoans

$1.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.42%-50 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	2.12%	2.92%	2.77%	2.93%	3.25%	2.42%	-50 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-16.93%	-12.17%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	23.67%	11.16%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-19.49%	-10.36%	n/a
Asset Quality
Delinquent Loans / Loans	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	n/a
Allowance / Loans	1.30%	1.21%	1.28%	0.95%	0.90%	0.93%	-28 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	55.14%	66.47%	67.90%	77.85%	84.70%	82.44%	+1,596 bps
Liquid Assets / Assets	27.58%	20.55%	16.65%	22.56%	20.14%	25.23%	+467 bps