Laughlin, NV · Cert 27011
FDIC
Q2 2008
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.84% | 1.92% | 1.91% | -1.88% | -20.68% | -2,251 bps | |
| Return on Equity | 18.42% | 19.05% | 19.47% | -23.38% | -288% | -30,691 bps | |
| Net Interest Margin | 4.97% | 5.04% | 4.84% | 2.91% | 4.21% | -76 bps | |
| Efficiency Ratio | 43.64% | 45.21% | 48.04% | 67.07% | 118.78% | +7,514 bps | |
| Non-Interest Burden | 1.70% | 1.82% | 1.63% | 1.53% | 5.28% | +358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.97% | -12.90% | -6.33% | 10.28% | 140.11% | +14,608 bps | |
| Loan Growth (YoY) | -12.53% | -12.97% | -28.28% | -33.42% | 240% | +25,208 bps | |
| Deposit Growth (YoY) | 5.90% | 3.11% | 6.85% | 17.66% | 151.35% | +14,545 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.08% | -0.07% | 0.34% | 7.62% | +771 bps | |
| Allowance / Loans | 1.06% | 1.04% | 1.49% | 3.49% | 4.17% | +312 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 13.15% | 13.55% | 10.99% | 9.67% | 6.78% | -637 bps | |
| Equity / Assets | 9.98% | 10.42% | 8.75% | 7.37% | 6.39% | -359 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.60% | 81.40% | 64.27% | 59.30% | 104.83% | +2,723 bps | |
| Liquid Assets / Assets | 0.27% | 0.25% | 0.23% | 0.21% | 0.75% | +48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |