Las Vegas, NV · Cert 34785
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | -0.33% | -4.94% | -0.45% | -11.39% | -12.52% | -7.45% | -5.03% | -458 bps | |
| Return on Equity | 2.91% | -3.31% | -50.18% | -4.59% | -137.43% | -221% | -222% | -267% | -26,208 bps | |
| Net Interest Margin | 4.19% | 3.97% | 3.50% | 3.33% | 3.25% | 3.21% | 2.23% | 2.41% | -92 bps | |
| Efficiency Ratio | 60.63% | 56.87% | 70.35% | 83.62% | 87.13% | 96.73% | 573% | 135.71% | +5,209 bps | |
| Non-Interest Burden | 2.44% | 2.13% | 2.37% | 2.75% | 2.80% | 3.11% | 5.08% | 3.34% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.27% | 11.36% | -0.26% | 2.53% | -7.93% | -14.54% | -9.20% | -16.30% | -1,883 bps | |
| Loan Growth (YoY) | 9.73% | 10.20% | 7.42% | -1.96% | -10.55% | -13.01% | -23.19% | -25.63% | -2,367 bps | |
| Deposit Growth (YoY) | 5.37% | 13.56% | 1.61% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.75% | 1.47% | 0.34% | 0.69% | 8.67% | 10.94% | 14.75% | 1.56% | +87 bps | |
| Allowance / Loans | 1.35% | 1.70% | 2.31% | 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 | 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 | 12.55% | 12.18% | 11.81% | 11.84% | 9.28% | 6.17% | 4.19% | 2.77% | -907 bps | |
| Equity / Assets | 10.41% | 9.75% | 9.95% | 9.49% | 7.02% | 4.26% | 2.45% | 1.30% | -820 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.41% | 88.88% | 98.21% | 91.49% | 89.27% | 85.33% | 76.74% | 74.64% | -1,686 bps | |
| Liquid Assets / Assets | 0.21% | 0.20% | 3.10% | 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 | n/a | n/a | n/a |