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Carson River Community Bank

Carson City, NV · Cert 58352

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

Carson River Community Bank

Carson City, NV · Cert 58352

FDIC

Q4 2009

$51.1MAssets
$39.5MLoans
$50.0MDeposits
$889KEquity
Loan mix
92%RE $23.3M8%C&I $1.9M1%Consumer $0.2MQ4 2008Q4 2009
Deposit mix
93%Interest-bearing $46.6M7%Noninterest $3.4MQ4 2008Q4 2009

NIM

5.57%Q4 ’075.32%Q4 ’085.01%Q4 ’09-20%-2%

Non-interest income vs. expense

5.95%Q4 ’075.38%Q4 ’086.68%Q4 ’09-11%+24%

Executive Summary

  • Earnings: ROA of -9.39%, down 185 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.71%.
  • Funding: loans stand at 79.03% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-9.39%-185 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-5 bps YoY

Efficiency Ratio (YTD, annualized)

239%+4,978 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 Assets-7.54%-4.11%-4.49%-6.54%-9.39%-185 bps
Return on Equity-39.36%-38.64%-45.04%-72.23%-123.90%-8,454 bps
Net Interest Margin2.76%2.80%2.88%2.86%2.71%-5 bps
Efficiency Ratio189.64%172.04%177.28%185.03%239%+4,978 bps
Non-Interest Burden5.30%4.87%5.16%5.35%6.60%+130 bps
Growth
Asset Growth (YoY)44.09%53.45%35.73%20.93%11.03%-3,306 bps
Loan Growth (YoY)61.14%58.88%32.14%18.73%2.56%-5,858 bps
Deposit Growth (YoY)71.87%81.29%55.54%36.52%24.15%-4,772 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.78%0.64%1.48%0.97%0.71%-208 bps
Allowance / Loans2.41%2.83%3.04%5.56%8.63%+622 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 Capital13.95%12.06%11.25%8.57%3.50%-1,045 bps
Equity / Assets12.09%9.40%8.63%6.33%1.74%-1,035 bps
Liquidity & Funding
Loans / Deposits95.67%80.69%83.66%83.91%79.03%-1,664 bps
Liquid Assets / Assets5.64%3.44%2.90%0.89%0.00%-564 bps
CRE / Total Capitaln/an/an/an/an/an/an/a