Henderson, NV · Cert 34762
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.64% | 1.87% | 1.76% | 1.84% | 1.78% | 2.11% | 2.11% | +34 bps | |
| Return on Equity | 12.81% | 13.77% | 16.72% | 16.58% | 18.02% | 17.40% | 20.98% | 19.87% | +329 bps | |
| Net Interest Margin | 5.00% | 4.69% | 4.82% | 4.88% | 4.92% | 4.96% | 5.14% | 5.18% | +29 bps | |
| Efficiency Ratio | 45.85% | 45.85% | 35.73% | 39.23% | 40.61% | 42.16% | 37.57% | 39.69% | +46 bps | |
| Non-Interest Burden | 2.23% | 2.09% | 1.67% | 1.87% | 1.96% | 2.06% | 1.88% | 2.01% | +14 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 | 0.04% | -0.16% | -0.03% | -0.03% | -0.01% | -0.05% | 0.03% | 0.06% | +9 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 |