Las Vegas, NV · Cert 27930
FDIC
Q4 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.10% | 4.45% | 4.75% | 4.89% | 5.22% | 4.84% | 4.97% | 4.72% | -17 bps | |
| Return on Equity | 28.55% | 32.26% | 36.24% | 38.62% | 47.35% | 44.06% | 46.89% | 45.54% | +692 bps | |
| Net Interest Margin | 7.43% | 7.43% | 7.22% | 7.46% | 8.59% | 8.79% | 8.40% | 7.76% | +30 bps | |
| Efficiency Ratio | 36.17% | 34.57% | 33.22% | 32.16% | 28.10% | 35.68% | 36.83% | 38.83% | +667 bps | |
| Non-Interest Burden | -2.98% | -2.62% | -2.30% | -2.40% | -2.60% | -2.54% | -2.90% | -2.90% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.32% | 34.20% | 31.46% | 39.40% | 29.18% | 4.57% | 8.21% | -0.20% | -3,961 bps | |
| Loan Growth (YoY) | 27.72% | 43.91% | 42.93% | 43.36% | 31.49% | 4.49% | -5.68% | -5.36% | -4,872 bps | |
| Deposit Growth (YoY) | 3.43% | 3.16% | 4.07% | 6.40% | 3.89% | 7.44% | 9.57% | 9.43% | +304 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 | 3.78% | 3.20% | 3.19% | 3.18% | 3.74% | 4.05% | 4.27% | 3.98% | +80 bps | |
| Allowance / Loans | 5.22% | 4.65% | 4.56% | 4.42% | 4.37% | n/a | n/a | n/a | n/a | |
| 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 | 12.55% | 11.96% | 12.13% | 11.67% | 10.86% | 13.23% | 13.03% | 12.48% | +81 bps | |
| Equity / Assets | 14.13% | 12.93% | 11.36% | 11.12% | 10.94% | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 124.23% | 145.58% | 146.02% | 147.60% | 157.24% | 141.58% | 125.71% | 127.65% | -1,995 bps | |
| Liquid Assets / Assets | 2.62% | 3.80% | 4.57% | 6.76% | 5.56% | 0.00% | 0.00% | 0.00% | -676 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |