Carson City, NV · Cert 58352
FDIC
Q4 2009
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.76% | 2.80% | 2.88% | 2.86% | 2.71% | -5 bps | |
| Efficiency Ratio | 189.64% | 172.04% | 177.28% | 185.03% | 239% | +4,978 bps | |
| Non-Interest Burden | 5.30% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.78% | 0.64% | 1.48% | 0.97% | 0.71% | -208 bps | |
| Allowance / Loans | 2.41% | 2.83% | 3.04% | 5.56% | 8.63% | +622 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 13.95% | 12.06% | 11.25% | 8.57% | 3.50% | -1,045 bps | |
| Equity / Assets | 12.09% | 9.40% | 8.63% | 6.33% | 1.74% | -1,035 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.67% | 80.69% | 83.66% | 83.91% | 79.03% | -1,664 bps | |
| Liquid Assets / Assets | 5.64% | 3.44% | 2.90% | 0.89% | 0.00% | -564 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |