Bent County School Employees

Las Animas, CO · Charter 65850

Q2 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: Q2 1999, the quarter ended June 30, 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.

Las Animas, CO · Charter 65850

Q2 1999

$366KAssets

$232KLoans

$316KShares

n/aNet Worth

Return on Assets (YTD, annualized)

6.04%+13 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	5.05%	5.72%	5.56%	5.91%	5.66%	6.02%	5.48%	6.04%	+13 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	7.49%	15.19%	37.83%	32.00%	43.11%	34.86%	22.78%	-1,504 bps
Loan Growth (YoY)	n/a	30.84%	28.29%	44.81%	11.56%	20.30%	18.23%	-6.17%	-5,099 bps
Share Growth (YoY)	n/a	3.45%	14.27%	41.35%	34.80%	48.68%	38.75%	28.36%	-1,299 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.15%	0.00%	0.40%	0.28%	0.00%	0.00%	0.00%	-40 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	0.73%	0.71%	0.72%	0.63%	0.68%	0.57%	0.59%	0.66%	+3 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	106.71%	109.94%	99.61%	100.42%	88.32%	88.95%	84.88%	73.41%	-2,701 bps
Liquid Assets / Assets	9.96%	7.60%	17.08%	14.54%	25.05%	22.08%	25.21%	33.70%	+1,916 bps