Henderson, NV · Cert 34194
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Henderson, NV · Cert 34194
FDIC
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.38% | 2.41% | 2.11% | 2.08% | 2.14% | 2.03% | -3.30% | -10.06% | -1,214 bps | |
| Return on Equity | 24.97% | 25.20% | 22.61% | 21.41% | 21.24% | 19.80% | -32.80% | -113.84% | -13,525 bps | |
| Net Interest Margin | 5.82% | 5.64% | 5.75% | 5.50% | 5.29% | 5.00% | 4.38% | 3.18% | -233 bps | |
| Efficiency Ratio | 40.76% | 40.05% | 41.62% | 41.19% | 39.34% | 40.00% | 51.21% | 62.18% | +2,099 bps | |
| Non-Interest Burden | 2.05% | 1.94% | 1.96% | 1.96% | 1.80% | 1.74% | 2.05% | 3.71% | +176 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.02% | 29.39% | 37.26% | 37.48% | 45.24% | 46.77% | 35.80% | 49.85% | +1,237 bps | |
| Loan Growth (YoY) | 40.63% | 40.64% | 51.40% | 50.27% | 59.60% | 53.35% | 37.41% | 37.28% | -1,299 bps | |
| Deposit Growth (YoY) | 24.04% | 33.56% | 40.49% | 40.43% | 47.57% | 42.37% | 34.60% | 57.99% | +1,757 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 | 0.07% | 0.06% | 0.00% | 0.01% | 0.01% | 0.07% | 2.58% | 4.95% | +494 bps | |
| Allowance / Loans | 1.19% | 1.12% | 1.06% | 1.09% | 1.12% | 1.20% | 2.48% | 4.81% | +373 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 | 10.92% | 10.67% | 9.63% | 10.83% | 11.37% | 11.33% | 10.48% | 8.86% | -197 bps | |
| Equity / Assets | 9.54% | 9.74% | 8.99% | 10.34% | 10.93% | 10.79% | 9.38% | 6.87% | -346 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.93% | 107.20% | 105.88% | 108.85% | 109.15% | 115.48% | 108.09% | 94.58% | -1,427 bps | |
| Liquid Assets / Assets | 0.06% | 0.06% | 0.04% | 0.04% | 0.03% | 0.03% | 0.13% | 0.01% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |