PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Household Bank (SB), National Association

Las Vegas, NV · Cert 33863

FDIC

Q2 2013

$437.7MAssets
n/aLoans
n/aDeposits
$312.7MEquity
Deposit mix
100%Interest-bearing $00%Noninterest $0Q3 2011Q2 2013

Executive Summary

  • Earnings: ROA of -0.30%, down 8,898 bps year over year; NIM at -0.82%.

Return on Assets (YTD, annualized)

-0.30%-8,898 bps YoY

Net Interest Margin (YTD, annualized)

-0.82%-99 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.10%Q2 ’110.23%Q2 ’120.74%Q2 ’13-84%-595%

Non-interest income vs. expense

40.82%Q2 ’110.01%Q2 ’120.09%Q2 ’13-712%+100%

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets11.81%12.07%12.15%88.68%65.45%52.56%-0.34%-0.30%-8,898 bps
Return on Equity16.86%17.35%17.98%119.93%85.11%66.48%-0.39%-0.36%-12,029 bps
Net Interest Margin0.96%0.86%0.20%0.17%0.39%0.37%-0.63%-0.82%-99 bps
Efficiency Ratio0.42%0.49%1.28%0.01%0.01%0.02%n/an/an/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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.20%-0.60%-0.60%-100.00%-100.00%-100.00%-100.00%n/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital103.71%192.83%193.99%5602%3395%4974%0.00%0.00%-560,224 bps
Equity / Assets71.67%67.65%67.49%83.06%91.47%91.80%71.68%71.43%-1,162 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%n/an/an/an/an/an/a
Liquid Assets / Assets0.33%56.24%61.34%97.36%94.91%95.81%92.22%99.21%+185 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a