Longs Peak

Loveland, CO · Charter 8964

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.

Loveland, CO · Charter 8964

Q4 1996

$18.1MAssets

$13.4MLoans

$15.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.40%+59 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	3.76%	3.81%	4.12%	4.18%	4.35%	4.40%	+59 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	3.80%	6.14%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	17.63%	7.86%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	0.22%	3.06%	n/a
Asset Quality
Delinquent Loans / Loans	1.30%	0.62%	0.56%	0.68%	0.66%	0.48%	-15 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.96%	3.69%	3.52%	3.36%	3.18%	2.12%	-157 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	76.20%	84.41%	85.45%	87.45%	89.44%	88.34%	+393 bps
Liquid Assets / Assets	20.44%	14.11%	15.75%	14.98%	14.00%	18.65%	+453 bps