Las Vegas, NV · Cert 34820
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.17% | 0.49% | -5.73% | -0.57% | -7.57% | -20.24% | -18.02% | -1,229 bps | |
| Return on Equity | 13.35% | 12.82% | 4.86% | -54.74% | -5.49% | -76.92% | -272% | -515% | -46,055 bps | |
| Net Interest Margin | 3.46% | 3.40% | 3.19% | 3.09% | 1.98% | 0.89% | 0.85% | 0.33% | -275 bps | |
| Efficiency Ratio | 39.85% | 44.03% | 52.07% | 61.41% | 117.08% | 323% | 439% | 1081% | +101,965 bps | |
| Non-Interest Burden | 1.35% | 1.47% | 1.66% | 1.90% | 2.31% | 4.04% | 7.49% | 2.96% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.64% | 32.77% | 20.37% | -1.96% | -15.94% | -16.24% | -20.79% | -12.80% | -1,084 bps | |
| Loan Growth (YoY) | 45.58% | 34.72% | 12.71% | -11.65% | -25.49% | -28.92% | -34.92% | -32.16% | -2,051 bps | |
| Deposit Growth (YoY) | 59.93% | 58.76% | 39.60% | 4.27% | -19.05% | -16.88% | -23.89% | -2.60% | -687 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 | 0.05% | 0.91% | -0.31% | 10.28% | 0.61% | 9.73% | 1.69% | 11.96% | +169 bps | |
| Allowance / Loans | 0.76% | 0.62% | 1.00% | 1.00% | 1.13% | 1.87% | 2.05% | 3.60% | +260 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 | 11.54% | 11.38% | 14.65% | 13.24% | 14.35% | 10.86% | 11.71% | 4.84% | -840 bps | |
| Equity / Assets | 8.98% | 9.22% | 10.95% | 9.94% | 10.88% | 8.80% | 5.98% | 0.99% | -895 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.01% | 110.84% | 99.94% | 101.40% | 109.54% | 94.79% | 85.45% | 70.63% | -3,077 bps | |
| Liquid Assets / Assets | 13.13% | 17.46% | 21.65% | 18.72% | 16.46% | 22.44% | 16.44% | 38.65% | +1,993 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |