Las Vegas, NV · Cert 34820
FDIC
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.20% | 0.96% | -0.68% | -0.57% | -3.98% | -9.24% | -11.31% | -1,063 bps | |
| Return on Equity | 13.35% | 13.08% | 9.98% | -7.02% | -5.49% | -40.29% | -103.16% | -151.74% | -14,471 bps | |
| Net Interest Margin | 3.46% | 3.39% | 3.35% | 3.31% | 1.98% | 1.49% | 1.25% | 1.03% | -228 bps | |
| Efficiency Ratio | 39.85% | 41.95% | 45.14% | 48.89% | 117.08% | 323% | 364% | 437% | +38,765 bps | |
| Non-Interest Burden | 1.35% | 1.40% | 1.50% | 1.61% | 2.31% | 3.24% | 4.61% | 4.21% | +261 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% | 0.48% | 0.23% | 2.76% | 0.61% | 5.20% | 4.54% | 6.64% | +387 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 |