Las Vegas, NV · Cert 35357
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Las Vegas, NV · Cert 35357
FDIC
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.80% | 0.73% | 0.54% | -2.63% | -2.99% | -3.35% | -4.43% | -497 bps | |
| Return on Equity | 5.74% | 7.09% | 6.58% | 4.89% | -26.26% | -31.07% | -37.30% | -53.90% | -5,880 bps | |
| Net Interest Margin | 4.52% | 4.47% | 4.26% | 3.95% | 3.35% | 3.15% | 2.74% | 2.34% | -162 bps | |
| Efficiency Ratio | 62.96% | 62.45% | 63.93% | 64.84% | 74.73% | 86.70% | 99.25% | 106.88% | +4,204 bps | |
| Non-Interest Burden | 2.79% | 2.73% | 2.66% | 2.50% | 2.46% | 2.70% | 2.72% | 2.50% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | 12.73% | -3.37% | 5.17% | 4.91% | 2.09% | 9.32% | 8.14% | +297 bps | |
| Loan Growth (YoY) | 11.19% | 5.36% | 9.95% | 4.02% | -8.65% | -6.55% | -14.02% | -19.36% | -2,338 bps | |
| Deposit Growth (YoY) | -3.59% | -3.81% | -17.62% | 0.90% | 2.93% | 11.17% | 20.31% | 22.84% | +2,193 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 | 0.21% | 0.13% | 0.29% | 0.55% | 4.88% | 4.66% | 4.05% | 4.22% | +367 bps | |
| Allowance / Loans | 1.02% | 1.13% | 1.08% | 1.08% | 1.49% | 1.99% | 2.56% | 3.74% | +266 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 | 10.68% | 11.18% | 10.82% | 10.45% | 11.22% | 10.03% | 9.18% | 6.56% | -389 bps | |
| Equity / Assets | 11.45% | 11.11% | 10.77% | 10.30% | 9.74% | 8.81% | 7.21% | 5.42% | -488 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.58% | 118.38% | 115.13% | 114.59% | 106.14% | 99.50% | 82.27% | 75.23% | -3,936 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.62% | 13.20% | 13.41% | 27.19% | 28.12% | +2,750 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |