Toole County

Sunburst, MT · Charter 9393

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.

Sunburst, MT · Charter 9393

Q2 1998

$430KAssets

$310KLoans

$376KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.90%-37 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.03%	4.59%	4.35%	4.27%	4.65%	4.46%	4.49%	3.90%	-37 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	n/a	20.85%	12.83%	10.06%	10.24%	3.24%	-1,762 bps
Loan Growth (YoY)	n/a	n/a	n/a	-10.77%	-6.71%	3.74%	0.57%	20.88%	+3,165 bps
Share Growth (YoY)	n/a	n/a	n/a	25.88%	13.25%	9.44%	8.80%	0.38%	-2,550 bps
Asset Quality
Delinquent Loans / Loans	9.24%	4.34%	13.98%	35.45%	13.68%	14.03%	4.42%	5.21%	-3,024 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	1.93%	2.07%	2.27%	2.65%	2.05%	2.15%	2.01%	2.33%	-32 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	99.63%	89.54%	85.19%	68.45%	82.07%	84.88%	78.75%	82.43%	+1,398 bps
Liquid Assets / Assets	10.87%	17.85%	22.17%	36.11%	25.70%	23.28%	28.42%	20.92%	-1,519 bps