Las Vegas, NV · Cert 34785
FDIC
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | -5.92% | -8.06% | -7.90% | -5.03% | -458 bps | |
| Return on Equity | -4.59% | -66.93% | -103.82% | -116.86% | -267% | -26,208 bps | |
| Net Interest Margin | 3.33% | 3.28% | 3.37% | 3.19% | 2.41% | -92 bps | |
| Efficiency Ratio | 83.62% | 85.36% | 88.66% | 113.94% | 135.71% | +5,209 bps | |
| Non-Interest Burden | 2.75% | 2.76% | 2.97% | 3.60% | 3.34% | +59 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.53% | -7.93% | -14.54% | -9.20% | -16.30% | -1,883 bps | |
| Loan Growth (YoY) | -1.96% | -10.55% | -13.01% | -23.19% | -25.63% | -2,367 bps | |
| Deposit Growth (YoY) | 4.66% | -4.40% | -9.40% | -1.71% | -8.83% | -1,349 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.69% | 4.70% | 6.98% | 9.53% | 1.56% | +87 bps | |
| Allowance / Loans | 2.54% | 4.18% | 5.68% | 4.19% | 5.54% | +300 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.84% | 9.28% | 6.17% | 4.19% | 2.77% | -907 bps | |
| Equity / Assets | 9.49% | 7.02% | 4.26% | 2.45% | 1.30% | -820 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.49% | 89.27% | 85.33% | 76.74% | 74.64% | -1,686 bps | |
| Liquid Assets / Assets | 9.11% | 10.69% | 12.35% | 14.80% | 15.66% | +655 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |