Las Vegas, NV · Cert 34077
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 34077
FDIC
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.39% | 1.50% | 1.73% | 1.62% | 1.64% | 1.62% | 1.70% | -3 bps | |
| Return on Equity | 13.87% | 15.85% | 17.25% | 19.61% | 18.25% | 18.13% | 17.73% | 17.65% | -196 bps | |
| Net Interest Margin | 4.75% | 4.83% | 4.67% | 5.77% | 5.65% | 5.43% | 5.25% | 5.34% | -43 bps | |
| Efficiency Ratio | 62.07% | 57.69% | 55.38% | 52.21% | 53.39% | 53.03% | 53.20% | 51.48% | -74 bps | |
| Non-Interest Burden | 2.86% | 2.70% | 2.48% | 2.91% | 2.91% | 2.79% | 2.69% | 2.53% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.36% | 9.30% | 28.10% | 16.22% | 14.61% | 19.16% | 11.88% | 19.45% | +323 bps | |
| Loan Growth (YoY) | 33.06% | 25.94% | 20.86% | 29.64% | 32.88% | 34.69% | 35.48% | 20.20% | -944 bps | |
| Deposit Growth (YoY) | 27.37% | 6.04% | 26.22% | 15.79% | 6.78% | 16.06% | 12.12% | 17.42% | +163 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% | -0.01% | 0.01% | -0.03% | -0.02% | -0.01% | -0.01% | 0.03% | +6 bps | |
| Allowance / Loans | 1.13% | 1.12% | 1.11% | 1.09% | 1.11% | 1.08% | 1.11% | 1.17% | +8 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 | 12.76% | 12.66% | 12.88% | 12.55% | 11.88% | 11.64% | 11.92% | 11.14% | -141 bps | |
| Equity / Assets | 8.85% | 9.03% | 8.47% | 9.17% | 9.05% | 9.51% | 9.55% | 9.69% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.57% | 76.42% | 71.24% | 81.46% | 91.55% | 88.69% | 86.08% | 83.39% | +193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |