Reno, NV · Cert 35550
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Reno, NV · Cert 35550
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.17% | 1.09% | 1.24% | 1.34% | 1.34% | 1.35% | 1.42% | +18 bps | |
| Return on Equity | 12.98% | 12.78% | 10.81% | 11.97% | 12.86% | 12.42% | 12.32% | 12.98% | +101 bps | |
| Net Interest Margin | 4.72% | 4.82% | 4.53% | 4.33% | 4.36% | 4.95% | 4.85% | 4.68% | +34 bps | |
| Efficiency Ratio | 54.67% | 61.56% | 61.16% | 57.07% | 54.37% | 52.81% | 53.79% | 52.90% | -417 bps | |
| Non-Interest Burden | 2.55% | 2.95% | 2.74% | 2.43% | 2.31% | 2.50% | 2.50% | 2.37% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.84% | 21.92% | 29.35% | 24.38% | 31.66% | 38.42% | 18.52% | 13.66% | -1,072 bps | |
| Loan Growth (YoY) | 32.47% | 26.69% | 39.74% | 32.55% | 44.69% | 31.65% | 13.58% | 2.98% | -2,957 bps | |
| Deposit Growth (YoY) | 35.68% | 17.63% | 24.46% | 17.38% | 23.42% | 35.78% | 15.07% | 11.63% | -575 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 | 0.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | +11 bps | |
| Allowance / Loans | 1.16% | 1.13% | 1.08% | 1.09% | 1.12% | 1.28% | 1.34% | 1.27% | +19 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 | 11.86% | 11.58% | 14.24% | 13.13% | 13.31% | 14.01% | 14.36% | 14.75% | +162 bps | |
| Equity / Assets | 8.91% | 9.43% | 11.66% | 11.07% | 10.73% | 10.80% | 11.23% | 11.14% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.92% | 101.04% | 99.62% | 100.97% | 104.25% | 97.96% | 98.33% | 93.14% | -783 bps | |
| Liquid Assets / Assets | 7.40% | 9.92% | 8.37% | 7.63% | 6.86% | 6.67% | 6.05% | 5.70% | -193 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |