PackageTrendsPeer
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Black Mountain Community Bank

Henderson, NV · Cert 35421

FDIC

Q4 2009

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: Q4 2009, the quarter ended December 31, 2009, 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

Black Mountain Community Bank

Henderson, NV · Cert 35421

FDIC

Q4 2009

$177.2MAssets
$140.0MLoans
$149.4MDeposits
$12.5MEquity
Loan mix
89%RE $77.2M11%C&I $9.9M0%Consumer $0.1MQ4 2008Q4 2009
Deposit mix
90%Interest-bearing $134.8M10%Noninterest $14.7MQ4 2008Q4 2009

NIM

8.01%Q4 ’076.66%Q4 ’085.17%Q4 ’09-16%-19%

Non-interest income vs. expense

2.48%Q4 ’072.00%Q4 ’082.02%Q4 ’09-14%+1%

Executive Summary

  • Earnings: ROA of -1.19%, down 249 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.22%.
  • Funding: loans stand at 93.68% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-1.19%-249 bps YoY

Net Interest Margin (YTD, annualized)

3.25%-78 bps YoY

Efficiency Ratio (YTD, annualized)

60.13%+1,186 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets1.30%0.80%0.22%-0.58%-1.19%-249 bps
Return on Equity13.66%8.87%2.49%-6.66%-14.32%-2,798 bps
Net Interest Margin4.04%3.52%3.65%3.63%3.25%-78 bps
Efficiency Ratio48.27%59.47%58.87%57.08%60.13%+1,186 bps
Non-Interest Burden1.89%2.05%2.09%2.01%1.91%+2 bps
Growth
Asset Growth (YoY)6.86%5.28%5.50%13.62%12.45%+559 bps
Loan Growth (YoY)4.93%5.55%6.40%-1.17%-2.83%-776 bps
Deposit Growth (YoY)7.99%5.71%6.31%19.54%23.62%+1,563 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.58%1.54%1.39%2.22%+221 bps
Allowance / Loans1.23%1.14%1.09%1.70%2.85%+163 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 Capital10.31%10.42%10.16%10.04%9.32%-98 bps
Equity / Assets9.12%8.82%8.69%7.98%7.08%-204 bps
Liquidity & Funding
Loans / Deposits119.19%113.93%116.39%104.93%93.68%-2,551 bps
Liquid Assets / Assets4.26%8.65%6.75%13.49%18.16%+1,390 bps
CRE / Total Capitaln/an/an/an/an/an/an/a