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Nevada Security Bank, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 6,660 |
| Cost of funding earning assets | 2.1317% | 734 |
| Net interest margin | 2.4258% | 7,514 |
| Noninterest income to average assets | 0.2786% | 5,918 |
| Noninterest expense to average assets | 3.4952% | 1,995 |
| Loan and lease loss provision to assets | 0.8740% | 1,459 |
| Net operating income to assets | -1.8792% | 7,432 |
| Return on assets (ROA) | -1.3657% | 7,294 |
| Pretax return on assets | -1.3657% | 7,207 |
| Return on Equity (ROE) | -52.8506% | 7,717 |
| Retained earnings to average equity (ytd only) | -52.8506% | 7,707 |
| Net charge-offs to loans | 2.3018% | 731 |
| Credit loss provision to net charge-offs | 53.6549% | 4,423 |
| Earnings coverage of net charge-offs (x) | -0.6171% | 5,318 |
| Efficiency ratio | 138.0937% | 271 |
| Assets per employee ($millions) | 6.3140% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5683% | 517 |
| Loan loss allowance to noncurrent loans | 23.6300% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 16.3796% | 108 |
| Noncurrent loans to loans | 15.1008% | 175 |
| Net loans and leases to total assets | 67.0106% | 3,632 |
| Net loans and leases to deposits | 68.7889% | 5,498 |
| Net loans and leases to core deposits | 84.5713% | 4,122 |
| Total domestic deposits to total assets | 97.4148% | 18 |
| Equity capital to assets | 2.4388% | 7,872 |
| Core capital (leverage) ratio | 2.1587% | 7,877 |
| Tier 1 risk-based capital ratio | 2.8486% | 7,881 |
| Total risk-based capital ratio | 4.1136% | 7,882 |
| Memoranda: | ||
| Average total assets | $493,816,000 | 1,413 |
| Average earning assets | $450,165,000 | 1,408 |
| Average equity | $12,760,500 | 4,533 |
| Average total loans | $349,473,000 | 1,356 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 4,874 |
| Cost of funding earning assets | 2.9125% | 298 |
| Net interest margin | 2.4505% | 7,474 |
| Noninterest income to average assets | 0.6356% | 3,381 |
| Noninterest expense to average assets | 4.2998% | 988 |
| Loan and lease loss provision to assets | 4.6906% | 238 |
| Net operating income to assets | -7.3659% | 7,911 |
| Return on assets (ROA) | -7.3667% | 7,904 |
| Pretax return on assets | -6.1258% | 7,815 |
| Return on Equity (ROE) | -114.3323% | 7,959 |
| Retained earnings to average equity (ytd only) | -114.3323% | 7,959 |
| Net charge-offs to loans | 5.1111% | 244 |
| Credit loss provision to net charge-offs | 124.6138% | 4,211 |
| Earnings coverage of net charge-offs (x) | -0.3811% | 6,610 |
| Efficiency ratio | 132.6845% | 448 |
| Assets per employee ($millions) | 6.5150% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6848% | 452 |
| Loan loss allowance to noncurrent loans | 23.8215% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 16.0896% | 115 |
| Noncurrent loans to loans | 15.4682% | 160 |
| Net loans and leases to total assets | 69.3881% | 3,390 |
| Net loans and leases to deposits | 71.4628% | 5,407 |
| Net loans and leases to core deposits | 118.7986% | 2,056 |
| Total domestic deposits to total assets | 97.0968% | 19 |
| Equity capital to assets | 2.7285% | 7,928 |
| Core capital (leverage) ratio | 2.2751% | 7,944 |
| Tier 1 risk-based capital ratio | 3.0964% | 7,943 |
| Total risk-based capital ratio | 4.3733% | 7,943 |
| Memoranda: | ||
| Average total assets | $548,634,600 | 1,262 |
| Average earning assets | $499,200,800 | 1,261 |
| Average equity | $35,349,600 | 1,908 |
| Average total loans | $404,042,800 | 1,190 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5587% | 4,102 |
| Cost of funding earning assets | 3.0818% | 257 |
| Net interest margin | 2.4769% | 7,486 |
| Noninterest income to average assets | 0.7639% | 2,627 |
| Noninterest expense to average assets | 3.9657% | 1,325 |
| Loan and lease loss provision to assets | 4.0947% | 284 |
| Net operating income to assets | -6.6598% | 7,966 |
| Return on assets (ROA) | -6.6904% | 7,964 |
| Pretax return on assets | -5.0762% | 7,820 |
| Return on Equity (ROE) | -92.1364% | 7,996 |
| Retained earnings to average equity (ytd only) | -92.1364% | 7,995 |
| Net charge-offs to loans | 3.3410% | 466 |
| Credit loss provision to net charge-offs | 165.6271% | 2,842 |
| Earnings coverage of net charge-offs (x) | -0.3846% | 6,418 |
| Efficiency ratio | 110.3085% | 766 |
| Assets per employee ($millions) | 7.0808% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8720% | 324 |
| Loan loss allowance to noncurrent loans | 28.7140% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 13.0617% | 179 |
| Noncurrent loans to loans | 13.4846% | 200 |
| Net loans and leases to total assets | 68.7392% | 3,786 |
| Net loans and leases to deposits | 76.1045% | 5,021 |
| Net loans and leases to core deposits | 109.3048% | 3,312 |
| Total domestic deposits to total assets | 90.3221% | 653 |
| Equity capital to assets | 4.8639% | 7,959 |
| Core capital (leverage) ratio | 4.1108% | 7,978 |
| Tier 1 risk-based capital ratio | 6.3818% | 7,934 |
| Total risk-based capital ratio | 7.6535% | 7,936 |
| Memoranda: | ||
| Average total assets | $562,008,000 | 1,242 |
| Average earning assets | $510,733,250 | 1,247 |
| Average equity | $40,809,500 | 1,654 |
| Average total loans | $415,875,250 | 1,176 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7491% | 3,298 |
| Cost of funding earning assets | 3.0602% | 400 |
| Net interest margin | 2.6889% | 7,224 |
| Noninterest income to average assets | 1.0608% | 1,409 |
| Noninterest expense to average assets | 4.5807% | 713 |
| Loan and lease loss provision to assets | 3.4894% | 413 |
| Net operating income to assets | -6.9678% | 8,052 |
| Return on assets (ROA) | -7.0313% | 8,046 |
| Pretax return on assets | -4.6438% | 7,824 |
| Return on Equity (ROE) | -87.7173% | 8,058 |
| Retained earnings to average equity (ytd only) | -87.7173% | 8,055 |
| Net charge-offs to loans | 0.8643% | 1,964 |
| Credit loss provision to net charge-offs | 539.8480% | 860 |
| Earnings coverage of net charge-offs (x) | -1.6878% | 6,325 |
| Efficiency ratio | 104.2333% | 1,021 |
| Assets per employee ($millions) | 7.6078% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9246% | 278 |
| Loan loss allowance to noncurrent loans | 43.3941% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 8.0259% | 470 |
| Noncurrent loans to loans | 9.0440% | 435 |
| Net loans and leases to total assets | 67.5447% | 4,244 |
| Net loans and leases to deposits | 77.9657% | 4,880 |
| Net loans and leases to core deposits | 94.0892% | 5,109 |
| Total domestic deposits to total assets | 86.6339% | 2,444 |
| Equity capital to assets | 5.4880% | 8,003 |
| Core capital (leverage) ratio | 5.5010% | 7,984 |
| Tier 1 risk-based capital ratio | 7.6481% | 7,946 |
| Total risk-based capital ratio | 8.9318% | 7,956 |
| Memoranda: | ||
| Average total assets | $569,962,670 | 1,244 |
| Average earning assets | $514,865,670 | 1,258 |
| Average equity | $45,687,670 | 1,507 |
| Average total loans | $426,228,330 | 1,170 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4287% | 997 |
| Cost of funding earning assets | 3.1012% | 459 |
| Net interest margin | 3.3276% | 5,410 |
| Noninterest income to average assets | 2.1308% | 326 |
| Noninterest expense to average assets | 2.5970% | 5,462 |
| Loan and lease loss provision to assets | 1.6255% | 767 |
| Net operating income to assets | 0.8369% | 2,965 |
| Return on assets (ROA) | 0.7323% | 3,611 |
| Pretax return on assets | 0.7323% | 4,313 |
| Return on Equity (ROE) | 7.8464% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.8464% | 1,875 |
| Net charge-offs to loans | 1.0632% | 1,279 |
| Credit loss provision to net charge-offs | 198.2639% | 2,242 |
| Earnings coverage of net charge-offs (x) | 3.0035% | 3,306 |
| Efficiency ratio | 50.8370% | 7,522 |
| Assets per employee ($millions) | 6.3609% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1552% | 1,138 |
| Loan loss allowance to noncurrent loans | 36.8708% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 5.5808% | 751 |
| Noncurrent loans to loans | 5.8452% | 837 |
| Net loans and leases to total assets | 72.9041% | 3,031 |
| Net loans and leases to deposits | 85.0805% | 3,803 |
| Net loans and leases to core deposits | 102.0807% | 4,337 |
| Total domestic deposits to total assets | 85.6885% | 2,877 |
| Equity capital to assets | 9.3764% | 4,839 |
| Core capital (leverage) ratio | 8.0426% | 6,394 |
| Tier 1 risk-based capital ratio | 9.9458% | 6,990 |
| Total risk-based capital ratio | 11.3344% | 6,741 |
| Memoranda: | ||
| Average total assets | $562,042,500 | 1,269 |
| Average earning assets | $494,653,500 | 1,313 |
| Average equity | $52,457,000 | 1,302 |
| Average total loans | $433,421,500 | 1,165 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8366% | 1,561 |
| Cost of funding earning assets | 3.1442% | 1,374 |
| Net interest margin | 3.6924% | 4,506 |
| Noninterest income to average assets | 0.1664% | 7,232 |
| Noninterest expense to average assets | 5.3967% | 529 |
| Loan and lease loss provision to assets | 0.6821% | 2,135 |
| Net operating income to assets | -2.1875% | 7,645 |
| Return on assets (ROA) | -3.4948% | 7,891 |
| Pretax return on assets | -4.1164% | 7,911 |
| Return on Equity (ROE) | -32.0250% | 7,990 |
| Retained earnings to average equity (ytd only) | -32.0250% | 7,945 |
| Net charge-offs to loans | 0.7083% | 1,744 |
| Credit loss provision to net charge-offs | 124.2284% | 4,311 |
| Earnings coverage of net charge-offs (x) | -3.4537% | 6,790 |
| Efficiency ratio | 72.9957% | 3,754 |
| Assets per employee ($millions) | 5.8681% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 1,566 |
| Loan loss allowance to noncurrent loans | 33.9382% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 4.6969% | 774 |
| Noncurrent loans to loans | 5.3947% | 773 |
| Net loans and leases to total assets | 78.3582% | 2,037 |
| Net loans and leases to deposits | 92.6599% | 3,017 |
| Net loans and leases to core deposits | 113.7778% | 3,364 |
| Total domestic deposits to total assets | 84.5653% | 3,040 |
| Equity capital to assets | 9.2886% | 4,946 |
| Core capital (leverage) ratio | 7.9367% | 6,589 |
| Tier 1 risk-based capital ratio | 9.3278% | 7,493 |
| Total risk-based capital ratio | 10.5819% | 7,411 |
| Memoranda: | ||
| Average total assets | $590,101,000 | 1,143 |
| Average earning assets | $532,823,200 | 1,158 |
| Average equity | $64,396,600 | 1,035 |
| Average total loans | $457,412,200 | 1,055 |