Henderson, NV · Cert 34194
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.43% | 2.49% | 2.11% | 2.04% | 2.24% | 1.73% | -3.30% | -16.24% | -1,828 bps | |
| Return on Equity | 25.79% | 25.84% | 22.61% | 21.00% | 21.07% | 15.92% | -32.80% | -203% | -22,382 bps | |
| Net Interest Margin | 6.20% | 6.31% | 5.75% | 5.89% | 5.97% | 5.36% | 4.38% | 2.96% | -293 bps | |
| Efficiency Ratio | 39.28% | 38.25% | 41.62% | 40.79% | 36.21% | 41.83% | 51.21% | 74.60% | +3,381 bps | |
| Non-Interest Burden | 2.03% | 2.04% | 1.96% | 2.18% | 1.87% | 1.99% | 2.05% | 5.85% | +367 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 | 0.22% | 0.06% | 0.00% | 0.02% | 0.01% | 0.27% | 2.58% | 7.55% | +753 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 |