Weststar

Las Vegas, NV · Charter 22168

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.

Las Vegas, NV · Charter 22168

Q4 1996

$79.6MAssets

$48.2MLoans

$72.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.06%-53 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	Q1 1995	Q2 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	4.88%	4.93%	4.65%	4.58%	4.37%	4.10%	n/a	4.06%	-53 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)	-2.42%	-2.28%	1.50%	5.29%	4.21%	7.19%	4.45%	5.40%	+12 bps
Loan Growth (YoY)	-9.62%	-3.59%	-0.19%	5.14%	5.30%	10.32%	23.24%	22.84%	+1,770 bps
Share Growth (YoY)	-4.62%	-4.61%	-1.22%	3.69%	3.36%	5.94%	3.46%	5.03%	+133 bps
Asset Quality
Delinquent Loans / Loans	0.67%	1.31%	0.57%	1.13%	0.99%	1.12%	1.27%	0.93%	-21 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	1.47%	1.30%	1.21%	1.29%	1.14%	1.14%	1.26%	1.29%	0 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	54.55%	57.40%	56.38%	56.96%	55.57%	59.77%	67.16%	66.62%	+966 bps
Liquid Assets / Assets	13.54%	18.70%	17.52%	20.18%	19.45%	18.24%	13.58%	16.66%	-352 bps