Big Sky Community

Libby, MT · Charter 63099

Q2 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: Q2 1996, the quarter ended June 30, 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.

Libby, MT · Charter 63099

Q2 1996

$2.7MAssets

$1.7MLoans

$2.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

6.89%+203 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	YoY Δ	Trend
Earnings
Return on Assets	4.87%	4.33%	5.53%	5.71%	6.89%	+203 bps
Return on Equity	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
Efficiency Ratio	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	0.71%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	74.09%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-4.40%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	4.13%	4.99%	4.21%	4.41%	4.58%	+45 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.80%	2.19%	2.81%	2.38%	1.85%	-96 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	38.90%	40.07%	46.53%	59.05%	70.83%	+3,193 bps
Liquid Assets / Assets	2.14%	5.61%	2.27%	-0.47%	23.81%	+2,167 bps