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Letter portraitLegal landscapeQuarterYTD

Community Bank of Nevada

Las Vegas, NV · Cert 34043

FDIC

Q2 2009

$1.4BAssets
$1.2BLoans
$1.4BDeposits
$878KEquity
Loan mix
81%RE $802.2M19%C&I $183.0M0%Consumer $0.4MQ2 2008Q2 2009
Deposit mix
92%Interest-bearing $1.3B8%Noninterest $0.1BQ2 2008Q2 2009

NIM

7.79%Q2 ’076.45%Q2 ’084.42%Q2 ’09-14%-67%

Non-interest income vs. expense

2.12%Q2 ’071.91%Q2 ’082.68%Q2 ’09-17%+218%

Executive Summary

  • Earnings: ROA of -10.96%, down 1,125 bps year over year; NIM at 1.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.88%.
  • Funding: loans stand at 87.17% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-10.96%-1,125 bps YoY

Net Interest Margin (YTD, annualized)

1.35%-269 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.29%-2.98%-11.57%-11.86%-10.96%-1,125 bps
Return on Equity1.67%-17.70%-80.65%-312%-411%-41,253 bps
Net Interest Margin4.03%3.65%3.25%1.26%1.35%-269 bps
Efficiency Ratio42.07%46.23%57.15%145.19%n/an/a
Non-Interest Burden1.60%1.63%8.40%1.95%5.08%+348 bps
Growth
Asset Growth (YoY)4.23%1.24%6.53%-6.39%-14.56%-1,879 bps
Loan Growth (YoY)6.94%4.88%-3.13%-10.55%-14.21%-2,115 bps
Deposit Growth (YoY)6.93%9.58%33.91%16.29%9.32%+239 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.08%0.89%2.56%13.37%6.88%+581 bps
Allowance / Loans1.79%6.20%7.82%8.50%9.80%+801 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.23%10.04%7.02%4.02%0.05%-1,218 bps
Equity / Assets17.16%14.97%4.97%2.48%0.06%-1,710 bps
Liquidity & Funding
Loans / Deposits111.08%104.09%82.11%84.96%87.17%-2,391 bps
Liquid Assets / Assets0.09%0.21%0.37%8.90%3.66%+357 bps
CRE / Total Capitaln/an/an/an/an/an/an/a