Las Vegas, NV · Cert 34043
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 1.31% | 1.06% | -0.47% | -9.49% | -36.96% | -11.86% | -10.05% | -958 bps | |
| Return on Equity | 10.10% | 7.40% | 6.05% | -2.71% | -59.04% | -377% | -312% | -762% | -75,956 bps | |
| Net Interest Margin | 4.78% | 4.57% | 4.35% | 3.79% | 3.11% | 1.96% | 1.26% | 1.29% | -250 bps | |
| Efficiency Ratio | 40.66% | 47.15% | 44.23% | 39.49% | 57.08% | 120.47% | 145.19% | n/a | n/a | |
| Non-Interest Burden | 1.91% | 2.13% | 1.74% | 1.48% | 1.80% | 28.66% | 1.95% | 7.99% | +651 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 55.46% | 7.54% | 0.29% | 4.23% | 1.24% | 6.53% | -6.39% | -14.56% | -1,879 bps | |
| Loan Growth (YoY) | 53.98% | 11.18% | 11.16% | 6.94% | 4.88% | -3.13% | -10.55% | -14.21% | -2,115 bps | |
| Deposit Growth (YoY) | 45.85% | 3.81% | 1.11% | 6.93% | 9.58% | 33.91% | 16.29% | 9.32% | +239 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 | 0.04% | 0.27% | 0.41% | 1.75% | 0.47% | 7.42% | 13.37% | -0.03% | -178 bps | |
| Allowance / Loans | 1.17% | 1.20% | 1.35% | 1.79% | 6.20% | 7.82% | 8.50% | 9.80% | +801 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 | 12.47% | 12.13% | 12.22% | 12.23% | 10.04% | 7.02% | 4.02% | 0.05% | -1,218 bps | |
| Equity / Assets | 17.89% | 17.56% | 17.58% | 17.16% | 14.97% | 4.97% | 2.48% | 0.06% | -1,710 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.76% | 113.51% | 110.45% | 111.08% | 104.09% | 82.11% | 84.96% | 87.17% | -2,391 bps | |
| Liquid Assets / Assets | 0.07% | 0.06% | 0.08% | 0.09% | 0.21% | 0.37% | 8.90% | 3.66% | +357 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |