Elko, NV · Cert 33824
FDIC
Q1 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.96% | 0.91% | -0.17% | 0.34% | -2.65% | -4.35% | 1.32% | +149 bps | |
| Return on Equity | 14.14% | 13.83% | 13.09% | -2.48% | 5.16% | -43.67% | -81.77% | 49.25% | +5,174 bps | |
| Net Interest Margin | 4.97% | 5.06% | 4.71% | 4.31% | 4.22% | 3.97% | 3.99% | 3.39% | -92 bps | |
| Efficiency Ratio | 76.14% | 76.54% | 77.49% | 79.63% | 79.15% | 83.51% | 87.54% | 85.89% | +626 bps | |
| Non-Interest Burden | 3.45% | 3.57% | 3.40% | 3.22% | 3.16% | 3.18% | 3.39% | 2.52% | -71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.47% | 14.27% | 18.73% | 16.28% | 21.10% | 12.89% | 4.22% | -9.56% | -2,584 bps | |
| Loan Growth (YoY) | 0.85% | -4.03% | 0.53% | 7.99% | 10.08% | 11.54% | -2.94% | -9.74% | -1,773 bps | |
| Deposit Growth (YoY) | 25.33% | 14.47% | 5.43% | 5.04% | 5.13% | 9.56% | 16.35% | -0.24% | -529 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.02% | 2.14% | 1.42% | 0.95% | 4.67% | 7.51% | +537 bps | |
| Allowance / Loans | 1.36% | 1.45% | 1.47% | 1.44% | 1.38% | 3.65% | 4.66% | 3.01% | +157 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.37% | 11.12% | 10.70% | 10.09% | 10.11% | 7.52% | 4.45% | 5.33% | -476 bps | |
| Equity / Assets | 6.71% | 6.98% | 7.06% | 6.76% | 6.09% | 4.41% | 2.33% | 3.06% | -371 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.42% | 64.97% | 70.53% | 67.76% | 69.55% | 66.15% | 58.84% | 61.31% | -645 bps | |
| Liquid Assets / Assets | 0.07% | 0.10% | 0.11% | 0.10% | 0.09% | 0.10% | 3.61% | 6.51% | +641 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |