Reno, NV · Cert 35202
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.88% | -1.75% | -0.24% | -2.68% | -2.21% | 0.26% | 0.55% | 1.03% | +371 bps | |
| Return on Equity | -49.11% | -15.55% | -2.18% | -25.52% | -22.29% | 2.76% | 5.95% | 11.05% | +3,657 bps | |
| Net Interest Margin | 3.74% | 3.75% | 3.77% | 3.74% | 3.75% | 4.08% | 3.97% | 4.15% | +41 bps | |
| Efficiency Ratio | 79.12% | 79.91% | 103.03% | 99.33% | 83.58% | 58.90% | 70.22% | 73.14% | -2,620 bps | |
| Non-Interest Burden | 3.22% | 3.15% | 4.02% | 3.87% | 3.35% | 2.25% | 2.89% | 3.31% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.28% | -6.94% | -11.77% | 5.40% | 7.35% | 6.37% | 9.16% | 7.31% | +191 bps | |
| Loan Growth (YoY) | 8.10% | 3.62% | 8.95% | -1.98% | 8.92% | 5.99% | 4.63% | 8.72% | +1,069 bps | |
| Deposit Growth (YoY) | -3.01% | 5.72% | 4.39% | 9.79% | 11.75% | 8.16% | 11.46% | 8.49% | -130 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 | 0.14% | 1.42% | 1.73% | 7.08% | 1.41% | 2.40% | 0.30% | 0.65% | -643 bps | |
| Allowance / Loans | 1.69% | 1.80% | 1.70% | 1.54% | 2.35% | 2.31% | 2.23% | 2.03% | +50 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 | 15.23% | 14.96% | 14.50% | 14.06% | 12.30% | 12.71% | 12.70% | 13.44% | -62 bps | |
| Equity / Assets | 11.64% | 10.83% | 10.82% | 10.17% | 9.62% | 9.38% | 9.27% | 9.38% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.46% | 80.02% | 82.44% | 77.03% | 83.30% | 78.42% | 77.38% | 77.20% | +16 bps | |
| Liquid Assets / Assets | 0.02% | 2.06% | 6.07% | 8.86% | 0.88% | 5.94% | 5.01% | 5.05% | -381 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |