Greater Nevada

Carson City, NV · Charter 6003

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.

Carson City, NV · Charter 6003

Q4 1996

$156.4MAssets

$112.6MLoans

$140.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.89%-10 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 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	3.99%	3.95%	3.99%	n/a	3.89%	-10 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	17.02%	13.17%	12.27%	11.80%	11.61%	-541 bps
Loan Growth (YoY)	12.13%	10.91%	11.02%	16.38%	16.25%	+412 bps
Share Growth (YoY)	17.48%	13.23%	12.88%	12.31%	12.26%	-523 bps
Asset Quality
Delinquent Loans / Loans	0.67%	0.67%	0.65%	0.61%	0.64%	-3 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.36%	0.40%	0.36%	0.31%	0.40%	+4 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	77.57%	75.30%	76.20%	80.58%	80.33%	+276 bps
Liquid Assets / Assets	5.92%	7.71%	6.86%	5.11%	8.88%	+296 bps