Mesquite, NV · Cert 34274
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mesquite, NV · Cert 34274
FDIC
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.12% | 1.13% | 0.77% | 0.86% | 1.02% | 0.98% | 0.67% | -10 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.71% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.83% | 4.56% | 4.56% | 4.07% | 3.50% | -133 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 66.12% | 64.04% | 62.21% | 63.40% | 74.95% | +884 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.09% | 2.82% | 2.72% | 2.48% | 2.48% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.07% | 33.03% | 26.28% | 29.03% | 16.06% | 27.65% | 19.64% | 22.30% | -673 bps | |
| Loan Growth (YoY) | 54.89% | 26.60% | 10.53% | 16.90% | 30.37% | 20.87% | 19.05% | 26.53% | +964 bps | |
| Deposit Growth (YoY) | 50.07% | 35.14% | 27.36% | 30.50% | 16.12% | 28.74% | 20.13% | 23.46% | -703 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 | n/a | n/a | n/a | 1.16% | 0.51% | 0.46% | 0.31% | 0.01% | -115 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.51% | 1.52% | 1.55% | 1.54% | 1.30% | -21 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 | n/a | n/a | n/a | 13.27% | 11.99% | 12.54% | 13.36% | 11.55% | -172 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.16% | 8.14% | 7.69% | 7.86% | 7.45% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.26% | 64.31% | 60.25% | 64.03% | 71.01% | 60.38% | 59.71% | 65.62% | +159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 9.44% | 11.27% | 11.57% | 11.23% | 12.28% | +284 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |