Las Vegas, NV · Cert 33788
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.79% | 1.00% | 1.02% | 0.03% | 0.38% | -3.77% | -1.82% | 3.90% | +387 bps | |
| Return on Equity | n/a | n/a | n/a | 0.11% | 1.26% | -15.46% | -7.31% | 11.16% | +1,106 bps | |
| Net Interest Margin | n/a | n/a | 5.21% | 6.47% | 9.49% | 12.62% | 10.63% | 11.38% | +491 bps | |
| Efficiency Ratio | n/a | n/a | 94.94% | 50.00% | 60.27% | 141.02% | 66.31% | 39.64% | -1,036 bps | |
| Non-Interest Burden | n/a | n/a | 4.62% | -4.40% | 0.95% | 17.98% | 13.16% | 4.71% | +911 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.39% | -37.39% | -19.16% | -35.08% | -37.70% | -22.92% | -13.46% | 11.56% | +4,664 bps | |
| Loan Growth (YoY) | -12.36% | -33.55% | -32.77% | -30.05% | 26.61% | 61.05% | 56.45% | 51.43% | +8,148 bps | |
| Deposit Growth (YoY) | 27.75% | -52.98% | -34.76% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.00% | 31.91% | 19.75% | 12.90% | -0.01% | -0.01% | -3,192 bps | |
| Allowance / Loans | n/a | n/a | 6.62% | 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 | 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 | n/a | n/a | 17.75% | 20.52% | 18.30% | 1.54% | 22.96% | 36.74% | +1,622 bps | |
| Equity / Assets | n/a | n/a | 25.06% | 30.73% | 29.69% | 19.02% | 30.01% | 39.60% | +887 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 7217% | 20928% | 15302% | 19120% | 35923% | 49817% | 44042% | 52063% | +3,294,249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.15% | 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 | n/a | n/a | n/a |