Las Vegas, NV · Cert 26665
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Las Vegas, NV · Cert 26665
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.73% | 0.73% | 0.71% | 0.69% | 0.67% | 0.10% | 0.35% | -36 bps | |
| Return on Equity | 11.45% | 11.44% | 11.61% | 11.46% | 11.35% | 10.72% | 1.52% | 5.34% | -613 bps | |
| Net Interest Margin | 2.96% | 2.83% | 3.11% | 2.97% | 2.77% | 2.61% | 2.85% | 2.78% | -18 bps | |
| Efficiency Ratio | 70.16% | 70.14% | 72.25% | 73.17% | 74.58% | 75.11% | 76.48% | 81.34% | +817 bps | |
| Non-Interest Burden | 1.84% | 1.77% | 2.04% | 1.98% | 1.89% | 1.79% | 2.56% | 2.41% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.41% | 25.22% | 25.40% | 22.78% | 20.85% | 25.08% | 22.03% | 24.18% | +140 bps | |
| Loan Growth (YoY) | 16.13% | 15.28% | 14.32% | 17.29% | 15.22% | 17.85% | 19.37% | 22.11% | +482 bps | |
| Deposit Growth (YoY) | 25.53% | 24.09% | 35.55% | 22.45% | 20.91% | 27.40% | 17.33% | 30.48% | +802 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 | -0.02% | -0.01% | -0.21% | -0.10% | -0.07% | -0.05% | 0.01% | 0.01% | +11 bps | |
| Allowance / Loans | 0.57% | 0.56% | 0.62% | 0.57% | 0.57% | 0.62% | 0.61% | 0.56% | -1 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 | 13.35% | 12.83% | 12.81% | 11.61% | 11.21% | 11.17% | 11.26% | 10.41% | -121 bps | |
| Equity / Assets | 6.43% | 6.26% | 6.28% | 5.95% | 5.92% | 6.75% | 6.68% | 6.17% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.01% | 100.11% | 87.47% | 99.91% | 99.12% | 92.61% | 88.99% | 93.50% | -641 bps | |
| Liquid Assets / Assets | 5.51% | 5.65% | 5.94% | 5.86% | 6.09% | 6.07% | 6.23% | 5.71% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |