Las Vegas, NV · Cert 35253
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.15% | 1.17% | 0.43% | -1.79% | -1.82% | -2.56% | -5.10% | -553 bps | |
| Return on Equity | 5.46% | 1.61% | 12.24% | 4.49% | -18.78% | -19.66% | -31.08% | -69.60% | -7,409 bps | |
| Net Interest Margin | 4.26% | 4.08% | 4.10% | 3.50% | 3.60% | 4.10% | 3.69% | 3.22% | -28 bps | |
| Efficiency Ratio | 61.98% | 62.24% | 61.22% | 69.75% | 78.82% | 78.15% | 76.10% | 257% | +18,683 bps | |
| Non-Interest Burden | 2.44% | 2.35% | 2.31% | 2.32% | 2.76% | 3.12% | 2.75% | 5.21% | +289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.55% | 9.74% | 6.75% | -1.50% | -9.50% | -11.41% | 2.74% | -2.68% | -118 bps | |
| Loan Growth (YoY) | 8.25% | 4.22% | 3.17% | -2.96% | -5.86% | -6.81% | -6.24% | -7.21% | -425 bps | |
| Deposit Growth (YoY) | 15.39% | 12.63% | 8.32% | 12.09% | -1.09% | -2.15% | 14.94% | 15.99% | +390 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 | 1.21% | 0.00% | 0.00% | 1.75% | 3.95% | 1.05% | 0.77% | 5.96% | +421 bps | |
| Allowance / Loans | 0.87% | 1.30% | 1.31% | 1.08% | 1.08% | 1.89% | 3.08% | 3.58% | +250 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 | 10.18% | 10.72% | 10.96% | 10.65% | 10.40% | 10.09% | 9.39% | 8.02% | -263 bps | |
| Equity / Assets | 9.56% | 9.33% | 9.79% | 9.52% | 9.55% | 8.95% | 7.60% | 7.02% | -251 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 123.69% | 113.09% | 113.75% | 117.13% | 117.72% | 107.70% | 92.79% | 93.70% | -2,343 bps | |
| Liquid Assets / Assets | 0.25% | 0.05% | 0.22% | 7.20% | 1.81% | 3.23% | 15.06% | 11.55% | +435 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |