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Mesquite State Bank

Mesquite, NV · Cert 34274

FDIC

Q1 2002

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: Q1 2002, the quarter ended March 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mesquite State Bank

Mesquite, NV · Cert 34274

FDIC

Q1 2002

$53.9MAssets
$32.7MLoans
$49.8MDeposits
$4.0MEquity
Loan mix
52%RE $6.8M48%C&I $6.3M0%Consumer $0.0MQ1 2001Q1 2002
Deposit mix
86%Interest-bearing $43.0M14%Noninterest $6.9MQ1 2001Q1 2002

NIM

9.07%Q1 ’016.25%Q1 ’02-27%

Non-interest income vs. expense

3.41%Q1 ’013.05%Q1 ’02-20%

Executive Summary

  • Earnings: ROA of 0.67%, down 10 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 65.62% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

0.67%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-133 bps YoY

Efficiency Ratio (YTD, annualized)

74.95%+884 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.77%0.86%1.02%0.98%0.67%-10 bps
Return on Equityn/an/an/an/a8.71%n/an/a
Net Interest Margin4.83%4.56%4.56%4.07%3.50%-133 bps
Efficiency Ratio66.12%64.04%62.21%63.40%74.95%+884 bps
Non-Interest Burden3.09%2.82%2.72%2.48%2.48%-60 bps
Growth
Asset Growth (YoY)29.03%16.06%27.65%19.64%22.30%-673 bps
Loan Growth (YoY)16.90%30.37%20.87%19.05%26.53%+964 bps
Deposit Growth (YoY)30.50%16.12%28.74%20.13%23.46%-703 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.16%0.51%0.46%0.31%0.01%-115 bps
Allowance / Loans1.51%1.52%1.55%1.54%1.30%-21 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 Capital13.27%11.99%12.54%13.36%11.55%-172 bps
Equity / Assets8.16%8.14%7.69%7.86%7.45%-72 bps
Liquidity & Funding
Loans / Deposits64.03%71.01%60.38%59.71%65.62%+159 bps
Liquid Assets / Assets9.44%11.27%11.57%11.23%12.28%+284 bps
CRE / Total Capitaln/an/an/an/an/an/an/a