Nevada at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-8.1%
|
-10.4%
|
-4.8%
|
-9.1%
|
-2.2%
|
|
Manufacturing (3%)
|
-16.5%
|
-19.1%
|
-6.5%
|
-16.7%
|
-4.0%
|
|
Other (non-manufacturing) Goods-Producing (8%)
|
-28.6%
|
-32.0%
|
-15.5%
|
-27.6%
|
-11.7%
|
|
Private Service-Producing (75%)
|
-5.6%
|
-8.1%
|
-4.4%
|
-7.3%
|
-1.6%
|
|
Government (14%)
|
-4.9%
|
-2.6%
|
2.6%
|
-2.4%
|
3.4%
|
|
Unemployment Rate (% of labor force)
|
12.9%
|
12.5%
|
8.6%
|
11.8%
|
6.7%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Single-Family Home Permits
|
31.3%
|
-21.9%
|
-67.3%
|
-34.5%
|
-57.0%
|
|
Multifamily Building Permits
|
-81.2%
|
-75.4%
|
-79.4%
|
-69.3%
|
-33.2%
|
|
Home Price Index
|
-17.1%
|
-16.4%
|
-22.7%
|
-18.4%
|
-17.9%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
10.70
|
12.17
|
7.60
|
10.89
|
7.00
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Institutions (#)
|
37
|
38
|
41
|
37
|
41
|
|
Total Assets (in millions)
|
1,240,669
|
1,321,023
|
1,353,256
|
1,240,669
|
1,353,256
|
|
New Institutions (# < 3 years)
|
7
|
9
|
9
|
7
|
9
|
|
Subchapter S Institutions
|
5
|
5
|
6
|
5
|
6
|
| |
|
|
|
|
|
|
Asset Quality
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
11.03
|
9.13
|
5.25
|
11.03
|
5.25
|
|
Noncurrent Loans / Total Loans (median %)
|
6.34
|
6.06
|
2.86
|
6.34
|
2.86
|
|
ALLL/Total Loans (median %)
|
3.64
|
3.25
|
1.83
|
3.64
|
1.83
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.55
|
0.44
|
0.59
|
0.55
|
0.59
|
|
Net Loan Losses / Total Loans (median %)
|
1.82
|
2.18
|
0.91
|
2.88
|
0.60
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Tier 1 Leverage (median %)
|
9.62
|
9.54
|
10.91
|
9.62
|
10.91
|
|
Return on Assets (median %)
|
-2.26
|
-2.62
|
-1.37
|
-2.57
|
-0.50
|
|
Pretax Return on Assets (median %)
|
-2.64
|
-3.53
|
-1.82
|
-2.93
|
-0.83
|
|
Net Interest Margin (median %)
|
3.61
|
3.70
|
3.83
|
3.66
|
4.17
|
|
Yield on Earning Assets (median %)
|
4.92
|
5.24
|
6.08
|
5.39
|
6.40
|
|
Cost of Funding Earning Assets (median %)
|
1.28
|
1.44
|
1.93
|
1.45
|
2.18
|
|
Provisions to Avg. Assets (median %)
|
3.29
|
3.72
|
1.33
|
2.83
|
0.78
|
|
Noninterest Income to Avg. Assets (median %)
|
0.22
|
0.27
|
0.17
|
0.34
|
0.25
|
|
Overhead to Avg. Assets (median %)
|
3.70
|
3.72
|
4.11
|
3.95
|
4.03
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Net Loans to Assets (median %)
|
66.5
|
66.0
|
75.3
|
66.5
|
75.3
|
|
Noncore Funding to Assets (median %)
|
31.6
|
33.8
|
34.0
|
31.6
|
34.0
|
|
Long-term Assets to Assets (median %, call filers)
|
13.4
|
15.3
|
12.5
|
13.4
|
12.5
|
|
Brokered Deposits (number of institutions)
|
24
|
26
|
28
|
24
|
28
|
|
Brokered Deposits to Assets (median % for those above)
|
10.1
|
13.8
|
13.8
|
10.1
|
13.8
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Commercial and Industrial
|
76.6
|
70.0
|
70.1
|
76.6
|
70.1
|
|
Commercial Real Estate
|
294.2
|
274.2
|
240.8
|
294.2
|
240.8
|
|
Construction & Development
|
72.4
|
76.6
|
93.7
|
72.4
|
93.7
|
|
Multifamily Residential Real Estate
|
1.4
|
1.3
|
1.3
|
1.4
|
1.3
|
|
Nonresidential Real Estate
|
178.5
|
171.9
|
145.3
|
178.5
|
145.3
|
|
Residential Real Estate
|
46.4
|
43.3
|
31.8
|
46.4
|
31.8
|
|
Consumer
|
6.3
|
6.1
|
6.4
|
6.3
|
6.4
|
|
Agriculture
|
0.0
|
0.0
|
0.0
|
0.0
|
0.0
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
