Las Vegas, NV · Cert 33788
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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 33788
FDIC
Q2 2002
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.50% | -0.44% | -1.82% | 1.19% | +63 bps | |
| Return on Equity | n/a | n/a | n/a | -7.31% | 3.93% | n/a | |
| Net Interest Margin | 6.07% | 7.99% | 10.06% | 10.63% | 10.44% | +437 bps | |
| Efficiency Ratio | 66.43% | 64.31% | 76.10% | 66.31% | 49.72% | -1,671 bps | |
| Non-Interest Burden | 0.32% | 0.57% | 4.99% | 13.16% | 8.24% | +792 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -35.08% | -37.70% | -22.92% | -13.46% | 11.56% | +4,664 bps | |
| Loan Growth (YoY) | -30.05% | 26.61% | 61.05% | 56.45% | 51.43% | +8,148 bps | |
| Deposit Growth (YoY) | -55.24% | -74.57% | -32.34% | -45.64% | -44.39% | +1,085 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 15.95% | 16.83% | 12.52% | -0.01% | -0.01% | -1,596 bps | |
| Allowance / Loans | 5.17% | 4.18% | 0.00% | 0.00% | 0.00% | -517 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 | 20.52% | 18.30% | 1.54% | 22.96% | 36.74% | +1,622 bps | |
| Equity / Assets | 30.73% | 29.69% | 19.02% | 30.01% | 39.60% | +887 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 19120% | 35923% | 49817% | 44042% | 52063% | +3,294,249 bps | |
| Liquid Assets / Assets | 0.19% | 0.24% | 0.33% | 0.34% | 0.29% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |