Henderson, NV · Cert 34762
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
Henderson, NV · Cert 34762
FDIC
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.64% | 1.77% | 1.76% | 1.79% | 1.78% | 1.94% | 2.02% | +26 bps | |
| Return on Equity | 14.08% | 13.77% | 15.24% | 15.71% | 16.31% | 17.40% | 19.21% | 19.42% | +371 bps | |
| Net Interest Margin | 4.22% | 4.69% | 4.52% | 4.33% | 4.24% | 4.96% | 4.90% | 4.95% | +63 bps | |
| Efficiency Ratio | 49.12% | 45.85% | 40.47% | 40.00% | 40.18% | 42.16% | 39.75% | 39.73% | -28 bps | |
| Non-Interest Burden | 2.01% | 2.09% | 1.78% | 1.69% | 1.66% | 2.06% | 1.91% | 1.93% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.16% | 45.06% | 46.92% | 48.86% | 43.28% | 31.35% | 31.81% | 9.48% | -3,938 bps | |
| Loan Growth (YoY) | 46.60% | 39.29% | 41.42% | 50.79% | 52.34% | 46.02% | 33.65% | 15.81% | -3,498 bps | |
| Deposit Growth (YoY) | 38.86% | 39.19% | 33.87% | 46.85% | 40.69% | 27.46% | 35.30% | 8.40% | -3,846 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 | 0.00% | -0.16% | -0.09% | -0.06% | -0.05% | -0.05% | -0.01% | 0.01% | +7 bps | |
| Allowance / Loans | 1.07% | 1.00% | 1.01% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 0 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 | 16.10% | 14.62% | 14.12% | 12.89% | 12.83% | 12.61% | 12.58% | 13.49% | +60 bps | |
| Equity / Assets | 12.58% | 11.34% | 11.04% | 10.26% | 10.22% | 10.20% | 9.92% | 11.33% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.93% | 82.85% | 88.80% | 90.31% | 90.87% | 94.91% | 87.72% | 96.48% | +617 bps | |
| Liquid Assets / Assets | 2.76% | 2.85% | 1.99% | 1.76% | 1.97% | 0.68% | 1.53% | 1.41% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |