Henderson, NV · Cert 34385
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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 34385
FDIC
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.78% | 1.08% | 1.02% | 1.02% | 0.91% | 1.24% | 1.36% | +34 bps | |
| Return on Equity | 5.38% | 7.47% | 11.29% | 10.62% | 10.62% | 9.54% | 13.54% | 14.33% | +371 bps | |
| Net Interest Margin | 4.17% | 4.09% | 4.41% | 4.27% | 4.31% | 4.30% | 5.00% | 4.93% | +66 bps | |
| Efficiency Ratio | 68.47% | 65.40% | 65.58% | 62.71% | 61.02% | 58.23% | 51.37% | 53.96% | -876 bps | |
| Non-Interest Burden | 2.71% | 2.54% | 2.76% | 2.55% | 2.49% | 2.35% | 2.40% | 2.50% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.22% | 21.15% | 36.08% | 26.28% | 15.36% | 16.83% | 10.39% | 7.30% | -1,898 bps | |
| Loan Growth (YoY) | 29.79% | 31.67% | 22.22% | 17.42% | 12.86% | 15.57% | 21.06% | 4.81% | -1,260 bps | |
| Deposit Growth (YoY) | 25.32% | 22.41% | 39.26% | 29.17% | 12.14% | 14.59% | 4.74% | 5.35% | -2,381 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 | 0.19% | 0.24% | 1.66% | 0.97% | 0.64% | 0.77% | 0.27% | 0.18% | -80 bps | |
| Allowance / Loans | 1.35% | 1.14% | 0.83% | 0.91% | 1.01% | 1.14% | 1.30% | 1.51% | +60 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 | 13.82% | 13.36% | 13.01% | 13.80% | 13.57% | 13.17% | 13.20% | 15.11% | +131 bps | |
| Equity / Assets | 9.93% | 10.08% | 9.18% | 9.58% | 9.52% | 9.40% | 8.96% | 10.23% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.01% | 91.93% | 76.03% | 84.84% | 88.57% | 92.71% | 87.88% | 84.41% | -43 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 |