Las Vegas, NV · Cert 26211
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.12% | 5.29% | 4.86% | 4.85% | 4.91% | 4.39% | 5.11% | 5.78% | +93 bps | |
| Return on Equity | 31.27% | 21.31% | 18.95% | 20.48% | 21.29% | 21.49% | 24.46% | 27.25% | +677 bps | |
| Net Interest Margin | 15.22% | 9.16% | 9.02% | 9.65% | 10.28% | 8.97% | 10.27% | 11.10% | +145 bps | |
| Efficiency Ratio | 31.61% | 41.12% | 42.46% | 42.27% | 41.76% | 47.95% | 45.45% | 45.85% | +358 bps | |
| Non-Interest Burden | -2.19% | -3.61% | -3.21% | -2.98% | -3.07% | -2.55% | -2.96% | -3.81% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.52% | -8.30% | -9.72% | -9.47% | -9.60% | -9.31% | -16.73% | -14.63% | -516 bps | |
| Loan Growth (YoY) | -8.85% | -17.32% | -23.79% | -4.35% | -13.10% | -10.59% | -20.58% | -25.26% | -2,090 bps | |
| Deposit Growth (YoY) | 1.41% | 1.42% | -2.72% | 3.83% | 3.50% | 9.57% | 18.43% | 9.19% | +535 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.66% | 5.61% | 5.66% | 6.35% | 6.01% | 5.85% | 7.01% | 7.53% | +117 bps | |
| Allowance / Loans | 4.48% | 4.62% | 4.61% | 4.60% | 3.85% | 3.95% | 4.31% | 4.46% | -15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.37% | 21.51% | 22.49% | 10.72% | 17.86% | 16.58% | 15.38% | 13.02% | +230 bps | |
| Equity / Assets | 23.49% | 26.18% | 27.42% | 17.24% | 20.49% | 20.40% | 21.89% | 22.24% | +500 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 260% | 232% | 230% | 206% | 219% | 189.14% | 154.57% | 141.02% | -6,498 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.77% | 0.00% | 0.00% | 0.00% | 0.00% | -76 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |