Las Vegas, NV · Cert 34043
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.64% | 1.06% | 0.29% | -2.98% | -11.57% | -11.86% | -10.96% | -1,125 bps | |
| Return on Equity | 9.93% | 9.31% | 6.05% | 1.67% | -17.70% | -80.65% | -312% | -411% | -41,253 bps | |
| Net Interest Margin | 4.69% | 4.66% | 4.35% | 4.03% | 3.65% | 3.25% | 1.26% | 1.35% | -269 bps | |
| Efficiency Ratio | 41.26% | 42.71% | 44.23% | 42.07% | 46.23% | 57.15% | 145.19% | n/a | n/a | |
| Non-Interest Burden | 1.90% | 1.96% | 1.74% | 1.60% | 1.63% | 8.40% | 1.95% | 5.08% | +348 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 | 0.01% | 0.07% | 0.41% | 1.08% | 0.89% | 2.56% | 13.37% | 6.88% | +581 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 |