Reno, NV · Cert 57110
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 57110
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | -4.28% | -3.49% | 0.73% | -7.03% | -6.69% | -7.37% | -1.37% | -210 bps | |
| Return on Equity | 4.89% | -37.92% | -32.02% | 7.85% | -87.72% | -92.14% | -114.33% | -52.85% | -6,070 bps | |
| Net Interest Margin | 3.40% | 3.43% | 3.47% | 2.89% | 2.42% | 2.14% | 2.31% | 2.18% | -70 bps | |
| Efficiency Ratio | 68.75% | 67.90% | 73.00% | 50.84% | 104.23% | 110.31% | 132.68% | 138.09% | +8,726 bps | |
| Non-Interest Burden | 2.30% | 5.93% | 5.44% | 0.46% | 3.51% | 3.05% | 3.80% | 3.18% | +272 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | -11.12% | -8.03% | -6.49% | -7.25% | -3.10% | -10.24% | -13.97% | -748 bps | |
| Loan Growth (YoY) | -3.08% | -7.22% | -7.02% | -6.93% | -10.74% | -15.15% | -18.98% | -19.77% | -1,283 bps | |
| Deposit Growth (YoY) | -8.82% | -10.80% | 3.09% | 10.73% | 14.94% | 5.36% | 3.07% | -2.20% | -1,293 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 | 0.57% | 0.45% | 0.74% | 1.08% | 0.89% | 3.61% | 5.79% | 2.35% | +127 bps | |
| Allowance / Loans | 1.57% | 1.59% | 1.83% | 2.16% | 3.92% | 3.87% | 3.68% | 3.57% | +141 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 | 11.41% | 10.59% | 10.58% | 11.33% | 8.93% | 7.65% | 4.37% | 4.11% | -722 bps | |
| Equity / Assets | 11.58% | 9.45% | 9.29% | 9.38% | 5.49% | 4.86% | 2.73% | 2.44% | -694 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.50% | 98.30% | 94.39% | 86.95% | 81.15% | 79.17% | 74.20% | 71.33% | -1,562 bps | |
| Liquid Assets / Assets | 13.52% | 11.31% | 10.77% | 0.44% | 15.07% | 8.52% | 6.53% | 19.60% | +1,917 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |