Silver State Schools

Las Vegas, NV · Charter 7055

Q3 1999

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: Q3 1999, the quarter ended September 30, 1999, 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 7055

Q3 1999

$326.3MAssets

$170.2MLoans

$294.8MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.91%-301 bps YoY

Net Interest Margin (YTD, annualized)

4.02%

Efficiency Ratio (YTD, annualized)

70.92%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1998	Q4 1998	Q1 1999	Q2 1999	Q3 1999	YoY Δ	Trend
Earnings
Return on Assets	3.92%	3.74%	3.81%	3.85%	0.91%	-301 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	4.02%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	70.92%	n/a	n/a
Growth
Asset Growth (YoY)	12.82%	16.38%	11.52%	12.69%	11.10%	-171 bps
Loan Growth (YoY)	3.92%	3.41%	3.56%	5.95%	12.43%	+851 bps
Share Growth (YoY)	13.06%	17.42%	11.53%	13.15%	11.18%	-188 bps
Asset Quality
Delinquent Loans / Loans	1.24%	0.86%	0.73%	0.69%	0.60%	-64 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.48%	1.19%	1.28%	1.32%	1.27%	-21 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	57.07%	55.46%	53.76%	53.72%	57.72%	+64 bps
Liquid Assets / Assets	12.82%	15.60%	18.06%	16.13%	13.82%	+100 bps