Enterprise Community

Las Vegas, NV · Charter 24588

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.

Las Vegas, NV · Charter 24588

Q4 2000

$2.1MAssets

$1.2MLoans

$1.8MShares

$54KNet Worth

Return on Assets (YTD, annualized)

-0.67%-474 bps YoY

Net Interest Margin (YTD, annualized)

3.15%

Efficiency Ratio (YTD, annualized)

100.46%

Net Worth / Assets

2.55%

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	-0.26%	1.95%	4.46%	4.07%	2.40%	3.08%	1.54%	-0.67%	-474 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-26.34%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.66%	4.24%	3.15%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	59.96%	63.67%	100.46%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	20.83%	7.08%	30.22%	6.02%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	1358%	503%	291%	55.48%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-1.76%	-11.46%	13.63%	4.92%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.57%	0.00%	2.78%	9.15%	25.94%	25.31%	20.12%	+1,734 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	0.00%	0.71%	1.00%	0.94%	0.83%	1.01%	0.78%	1.28%	+35 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.55%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.55%	n/a	n/a
Liquidity & Funding
Loans / Shares	3.38%	7.85%	17.11%	43.96%	50.12%	53.41%	58.84%	65.14%	+2,119 bps
Liquid Assets / Assets	92.68%	90.54%	79.64%	53.92%	0.00%	54.91%	46.42%	41.14%	-1,278 bps