West Side

Las Vegas, NV · Charter 7062

Q2 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: Q2 2000, the quarter ended June 30, 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 7062

Q2 2000

$3.1MAssets

$3.0MLoans

$3.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-4.60%-724 bps YoY

Net Interest Margin (YTD, annualized)

6.12%

Efficiency Ratio (YTD, annualized)

119.46%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.39%	1.46%	1.76%	2.64%	2.34%	-10.26%	-25.51%	-4.60%	-724 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	5.45%	6.12%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	322%	119.46%	n/a
Growth
Asset Growth (YoY)	32.28%	47.52%	48.03%	43.56%	42.62%	13.03%	-15.52%	-22.22%	-6,578 bps
Loan Growth (YoY)	11.01%	22.02%	40.69%	35.93%	29.98%	18.59%	10.08%	7.30%	-2,864 bps
Share Growth (YoY)	38.79%	57.82%	59.06%	53.52%	51.80%	24.59%	6.83%	-6.00%	-5,952 bps
Asset Quality
Delinquent Loans / Loans	1.08%	0.45%	0.38%	0.18%	2.00%	8.37%	7.67%	9.01%	+883 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	0.44%	0.39%	0.28%	0.25%	0.24%	8.58%	2.62%	3.32%	+307 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	90.70%	81.29%	80.56%	77.61%	77.66%	77.37%	83.02%	88.59%	+1,098 bps
Liquid Assets / Assets	18.26%	20.56%	16.41%	19.09%	19.09%	12.22%	6.41%	3.11%	-1,598 bps