Las Vegas, NV · Charter 13670
Q4 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.34% | -2.92% | -1.62% | -1.20% | -1.03% | -0.44% | -0.27% | -1.05% | +15 bps | |
| Return on Equity | -34.70% | -30.87% | -15.34% | -11.32% | -10.29% | -4.39% | -2.71% | -10.64% | +68 bps | |
| Net Interest Margin | 2.66% | 2.70% | 3.06% | 3.27% | 2.94% | 2.84% | 2.83% | 2.91% | -36 bps | |
| Efficiency Ratio | 86.60% | 116.03% | 101.63% | 91.30% | 117.96% | 109.49% | 107.86% | 127.64% | +3,634 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.90% | 15.08% | -16.00% | -22.87% | -16.81% | -14.58% | -2.24% | -3.27% | +1,960 bps | |
| Loan Growth (YoY) | -16.11% | -17.95% | -18.87% | -17.69% | -23.92% | -26.98% | -28.12% | -28.15% | -1,046 bps | |
| Share Growth (YoY) | 2.18% | 0.57% | 1.00% | -8.28% | -2.09% | 2.72% | -1.51% | -3.23% | +505 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.21% | 2.25% | 1.15% | 4.19% | 0.96% | 0.96% | 0.73% | 1.99% | -219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.05% | 3.32% | 3.05% | 4.39% | 4.16% | 4.12% | 4.05% | 4.25% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.63% | 9.48% | 10.57% | 10.58% | 9.96% | 9.95% | 10.08% | 9.83% | -75 bps | |
| Net Worth / Assets | 9.63% | 9.48% | 10.57% | 10.58% | 9.96% | 9.95% | 10.08% | 9.83% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.68% | 49.81% | 45.25% | 44.98% | 39.38% | 35.41% | 33.02% | 33.40% | -1,158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |