Nevada at a Glance
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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|
Employment Growth Rates
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-1.4%
|
-1.6%
|
-8.3%
|
-2.8%
|
-9.1%
|
|
Manufacturing (3%)
|
-4.9%
|
-3.5%
|
-16.2%
|
-6.3%
|
-16.5%
|
|
Other (non-manufacturing) Goods-Producing (6%)
|
-15.4%
|
-19.5%
|
-30.4%
|
-23.2%
|
-27.8%
|
|
Private Service-Producing (76%)
|
0.2%
|
0.5%
|
-5.6%
|
-0.6%
|
-7.3%
|
|
Government (14%)
|
-2.2%
|
-2.0%
|
-4.8%
|
-2.2%
|
-2.3%
|
|
Unemployment Rate (% of labor force)
|
14.9%
|
14.9%
|
14.3%
|
14.9%
|
12.5%
|
| |
|
|
|
|
|
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Other Indicators
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-20.8%
|
-23.9%
|
31.3%
|
16.7%
|
-34.5%
|
|
Multifamily Building Permits
|
57.9%
|
-92.4%
|
-81.2%
|
-51.9%
|
-69.3%
|
|
Home Price Index
|
-9.1%
|
-10.1%
|
-16.0%
|
-13.6%
|
-18.2%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
9.94
|
11.50
|
10.74
|
10.92
|
10.90
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|
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BANKING TRENDS
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|
General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
29
|
30
|
37
|
29
|
37
|
|
Total Assets (in millions)
|
1,247,410
|
1,300,031
|
1,240,658
|
1,247,410
|
1,240,658
|
|
New Institutions (# < 3 years)
|
2
|
2
|
7
|
2
|
7
|
|
Subchapter S Institutions
|
4
|
4
|
5
|
4
|
5
|
| |
|
|
|
|
|
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Asset Quality
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
6.38
|
6.84
|
11.03
|
6.38
|
11.03
|
|
Noncurrent Loans / Total Loans (median %)
|
4.40
|
4.69
|
6.34
|
4.40
|
6.34
|
|
ALLL/Total Loans (median %)
|
3.94
|
3.94
|
3.63
|
3.94
|
3.63
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.96
|
0.75
|
0.60
|
0.96
|
0.60
|
|
Net Loan Losses / Total Loans (median %)
|
2.35
|
2.76
|
3.42
|
2.86
|
2.92
|
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|
|
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Tier 1 Leverage (median %)
|
10.77
|
10.10
|
9.58
|
10.77
|
9.58
|
|
Return on Assets (median %)
|
0.29
|
0.32
|
-2.81
|
0.07
|
-2.87
|
|
Pretax Return on Assets (median %)
|
0.29
|
0.38
|
-3.41
|
-0.24
|
-3.61
|
|
Net Interest Margin (median %)
|
3.77
|
3.77
|
3.61
|
3.68
|
3.69
|
|
Yield on Earning Assets (median %)
|
4.44
|
4.78
|
4.92
|
4.48
|
5.29
|
|
Cost of Funding Earning Assets (median %)
|
0.66
|
0.74
|
1.28
|
0.82
|
1.45
|
|
Provisions to Avg. Assets (median %)
|
1.33
|
1.23
|
3.73
|
1.95
|
3.19
|
|
Noninterest Income to Avg. Assets (median %)
|
0.32
|
0.34
|
0.21
|
0.34
|
0.32
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|
Overhead to Avg. Assets (median %)
|
3.74
|
3.36
|
4.09
|
3.69
|
4.22
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Liquidity / Sensitivity
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
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|
Net Loans to Assets (median %)
|
60.1
|
59.8
|
66.2
|
60.1
|
66.2
|
|
Noncore Funding to Assets (median %)
|
25.9
|
23.4
|
31.9
|
25.9
|
31.9
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Long-term Assets to Assets (median %, call filers)
|
14.7
|
14.4
|
13.5
|
14.7
|
13.5
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Brokered Deposits (number of institutions)
|
15
|
14
|
24
|
15
|
24
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Brokered Deposits to Assets (median % for those above)
|
7.1
|
6.7
|
10.2
|
7.1
|
10.2
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|
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Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Commercial and Industrial
|
60.5
|
58.7
|
81.5
|
60.5
|
81.5
|
|
Commercial Real Estate
|
182.2
|
228.0
|
337.9
|
182.2
|
337.9
|
|
Construction & Development
|
31.4
|
35.8
|
72.4
|
31.4
|
72.4
|
|
Multifamily Residential Real Estate
|
0.9
|
1.1
|
1.8
|
0.9
|
1.8
|
|
Nonresidential Real Estate
|
150.4
|
173.6
|
178.5
|
150.4
|
178.5
|
|
Residential Real Estate
|
37.3
|
43.8
|
51.1
|
37.3
|
51.1
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Consumer
|
4.4
|
5.8
|
6.4
|
4.4
|
6.4
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Agriculture
|
0.0
|
0.0
|
0.0
|
0.0
|
0.0
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BANKING PROFILE
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