U S Lime Employees

Henderson, NV · Charter 12040

Q4 2000

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 2000, the quarter ended December 31, 2000, 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.

Henderson, NV · Charter 12040

Q4 2000

$183KAssets

$154KLoans

$100KShares

$73KNet Worth

Return on Assets (YTD, annualized)

0.07%-308 bps YoY

Net Interest Margin (YTD, annualized)

7.90%

Efficiency Ratio (YTD, annualized)

99.07%

Net Worth / Assets

40.13%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	4.95%	3.89%	1.55%	3.15%	4.13%	1.80%	1.73%	0.07%	-308 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.18%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	11.26%	7.99%	7.90%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	72.88%	78.39%	99.07%	n/a
Growth
Asset Growth (YoY)	4.51%	-13.53%	4.88%	-2.14%	-7.15%	-8.30%	-17.24%	-8.89%	-675 bps
Loan Growth (YoY)	8.71%	-7.69%	4.61%	-0.73%	-0.17%	-6.30%	-21.71%	-5.95%	-522 bps
Share Growth (YoY)	0.64%	-24.25%	12.41%	2.19%	-6.25%	-11.39%	-31.41%	-19.55%	-2,174 bps
Asset Quality
Delinquent Loans / Loans	0.98%	1.01%	0.93%	0.32%	0.00%	4.24%	0.00%	0.00%	-32 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	2.37%	2.59%	2.40%	1.74%	1.80%	3.45%	3.34%	1.95%	+21 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	40.13%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	40.13%	n/a	n/a
Liquidity & Funding
Loans / Shares	133.58%	147.30%	127.18%	131.16%	142.25%	155.74%	145.17%	153.33%	+2,217 bps
Liquid Assets / Assets	13.76%	0.00%	12.03%	0.00%	0.00%	0.00%	14.53%	16.60%	+1,660 bps