Rocky Ford

Rocky Ford, CO · Charter 6875

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.

Rocky Ford, CO · Charter 6875

Q2 1999

$1.8MAssets

$1.0MLoans

$1.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.35%+109 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	3.42%	4.04%	3.49%	-0.74%	-0.99%	-1.73%	0.18%	0.35%	+109 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	-8.11%	-5.82%	-5.05%	-0.02%	-0.50%	1.27%	28.85%	+3,389 bps
Loan Growth (YoY)	n/a	48.17%	30.42%	3.32%	-12.91%	-17.04%	-19.28%	-10.48%	-1,380 bps
Share Growth (YoY)	n/a	-12.19%	-8.23%	-3.47%	1.62%	8.49%	12.52%	40.66%	+4,412 bps
Asset Quality
Delinquent Loans / Loans	2.85%	2.79%	12.05%	12.55%	7.47%	2.45%	1.20%	2.93%	-962 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	3.27%	3.82%	4.67%	6.01%	2.08%	2.49%	3.79%	5.55%	-46 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	98.53%	94.36%	92.60%	90.48%	84.44%	72.15%	66.43%	57.58%	-3,289 bps
Liquid Assets / Assets	15.50%	17.38%	20.15%	19.54%	25.73%	25.08%	34.19%	35.66%	+1,611 bps