Las Vegas, NV · Cert 34543
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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 34543
FDIC
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.19% | 1.29% | 1.41% | 1.50% | 1.61% | 1.42% | 0.09% | -133 bps | |
| Return on Equity | 12.01% | 12.31% | 13.34% | 14.44% | 15.63% | 17.23% | 15.25% | 0.54% | -1,390 bps | |
| Net Interest Margin | 4.65% | 4.42% | 4.51% | 4.86% | 4.65% | 4.39% | 4.52% | 5.37% | +51 bps | |
| Efficiency Ratio | 54.29% | 52.39% | 53.94% | 54.37% | 53.58% | 51.44% | 57.05% | 70.12% | +1,575 bps | |
| Non-Interest Burden | 2.36% | 2.14% | 2.25% | 2.39% | 2.30% | 2.09% | 2.44% | 3.73% | +135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.58% | 35.25% | 32.21% | 21.57% | 25.94% | 41.64% | 31.12% | 57.49% | +3,592 bps | |
| Loan Growth (YoY) | 43.06% | 42.20% | 46.79% | 36.71% | 40.60% | 40.96% | 30.29% | 32.10% | -461 bps | |
| Deposit Growth (YoY) | 30.89% | 37.64% | 30.13% | 23.32% | 24.18% | 41.92% | 29.68% | 33.65% | +1,034 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% | 0.03% | -0.01% | -0.05% | -0.03% | -0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 1.23% | 1.36% | 1.25% | 1.26% | 1.13% | 1.07% | 1.11% | 1.44% | +18 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 | 12.14% | 11.87% | 11.12% | 10.97% | 10.24% | 10.39% | 10.45% | 9.91% | -105 bps | |
| Equity / Assets | 9.78% | 10.18% | 9.82% | 9.76% | 9.23% | 8.76% | 9.10% | 21.37% | +1,162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.92% | 92.44% | 94.13% | 97.71% | 98.42% | 91.81% | 94.58% | 96.58% | -113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.77% | 3.22% | 2.61% | +261 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |