Las Vegas, NV · Cert 33863
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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 33863
FDIC
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 11.81% | 12.07% | 12.15% | 88.68% | 65.45% | 52.56% | -0.34% | -0.30% | -8,898 bps | |
| Return on Equity | 16.86% | 17.35% | 17.98% | 119.93% | 85.11% | 66.48% | -0.39% | -0.36% | -12,029 bps | |
| Net Interest Margin | 0.96% | 0.86% | 0.20% | 0.17% | 0.39% | 0.37% | -0.63% | -0.82% | -99 bps | |
| Efficiency Ratio | 0.42% | 0.49% | 1.28% | 0.01% | 0.01% | 0.02% | n/a | n/a | n/a | |
| Non-Interest Burden | -0.01% | 0.00% | 0.00% | -99.85% | -120.87% | -112.90% | 0.03% | 0.01% | +9,986 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.36% | 2.07% | 7.20% | 40.24% | -33.27% | -29.37% | -79.45% | -84.94% | -12,518 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.20% | -0.60% | -0.60% | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 103.71% | 192.83% | 193.99% | 5602% | 3395% | 4974% | 0.00% | 0.00% | -560,224 bps | |
| Equity / Assets | 71.67% | 67.65% | 67.49% | 83.06% | 91.47% | 91.80% | 71.68% | 71.43% | -1,162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.33% | 56.24% | 61.34% | 97.36% | 94.91% | 95.81% | 92.22% | 99.21% | +185 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |