Las Vegas, NV · Cert 35357
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | -2.63% | -3.36% | -4.12% | -7.39% | -735 bps | |
| Return on Equity | -0.33% | -26.26% | -36.25% | -51.73% | -116.99% | -11,666 bps | |
| Net Interest Margin | 3.49% | 3.35% | 2.90% | 2.27% | 1.63% | -186 bps | |
| Efficiency Ratio | 68.04% | 74.73% | 100.41% | 143.66% | 139.52% | +7,147 bps | |
| Non-Interest Burden | 2.32% | 2.46% | 2.91% | 3.05% | 2.34% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.17% | 4.91% | 2.09% | 9.32% | 8.14% | +297 bps | |
| Loan Growth (YoY) | 4.02% | -8.65% | -6.55% | -14.02% | -19.36% | -2,338 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 1.34% | 4.88% | 4.38% | 2.38% | 3.99% | +265 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.45% | 11.22% | 10.03% | 9.18% | 6.56% | -389 bps | |
| Equity / Assets | 10.30% | 9.74% | 8.81% | 7.21% | 5.42% | -488 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 114.59% | 106.14% | 99.50% | 82.27% | 75.23% | -3,936 bps | |
| Liquid Assets / Assets | 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 |