Rocky Mountain

Ogden, UT · Charter 67057

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Ogden, UT · Charter 67057

Q2 1998

$15.0MAssets

$7.7MLoans

$12.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.99%-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	Q2 1995	Q3 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.99%	4.09%	4.52%	4.12%	4.38%	3.86%	4.15%	3.99%	-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	n/a	-9.97%	-0.54%	4.84%	6.31%	3.00%	-0.32%	+22 bps
Loan Growth (YoY)	n/a	n/a	0.93%	-11.20%	-15.69%	-14.98%	-8.26%	-3.97%	+723 bps
Share Growth (YoY)	n/a	n/a	-12.56%	-2.03%	3.96%	5.74%	3.41%	-1.13%	+90 bps
Asset Quality
Delinquent Loans / Loans	0.34%	0.56%	0.57%	0.72%	0.94%	0.67%	0.95%	0.55%	-17 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%	1.31%	1.08%	0.97%	0.94%	0.87%	0.83%	0.58%	-39 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	76.20%	72.99%	70.73%	61.79%	61.79%	58.69%	62.75%	60.01%	-177 bps
Liquid Assets / Assets	23.56%	21.99%	29.31%	28.93%	16.17%	45.77%	42.10%	45.33%	+1,640 bps