Las Vegas, NV · Cert 34543
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.26% | 1.58% | 1.41% | 1.60% | 1.81% | 0.87% | 0.09% | -133 bps | |
| Return on Equity | 9.93% | 12.58% | 15.84% | 14.44% | 16.89% | 20.18% | 9.79% | 0.54% | -1,390 bps | |
| Net Interest Margin | 4.85% | 4.70% | 4.97% | 4.86% | 4.88% | 4.92% | 5.14% | 5.37% | +51 bps | |
| Efficiency Ratio | 58.08% | 48.96% | 57.95% | 54.37% | 52.82% | 47.81% | 71.49% | 70.12% | +1,575 bps | |
| Non-Interest Burden | 2.67% | 2.09% | 2.68% | 2.39% | 2.43% | 2.18% | 3.59% | 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 | 0.13% | 0.05% | -0.04% | -0.01% | -0.10% | 0.00% | 0.00% | 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 |