Las Vegas, NV · Cert 35418
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 35418
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.92% | -1.97% | -3.20% | -0.68% | -2.31% | -2.00% | -2.94% | -3.22% | -254 bps | |
| Return on Equity | -26.87% | -28.88% | -51.44% | -16.41% | -58.36% | -51.49% | -80.65% | -157.21% | -14,080 bps | |
| Net Interest Margin | 2.91% | 2.45% | 2.37% | 1.96% | 2.12% | 2.14% | 2.43% | 2.54% | +58 bps | |
| Efficiency Ratio | 117.57% | 123.76% | 133.57% | 149.04% | 149.77% | 155.18% | 190.95% | 346% | +19,730 bps | |
| Non-Interest Burden | 3.51% | 3.15% | 3.38% | 3.00% | 3.31% | 3.56% | 4.74% | 6.55% | +355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.49% | 28.16% | 17.80% | -0.60% | -10.66% | -25.46% | -32.51% | -32.68% | -3,207 bps | |
| Loan Growth (YoY) | 23.48% | 17.74% | 2.40% | -0.26% | -17.08% | -20.60% | -31.50% | -36.39% | -3,613 bps | |
| Deposit Growth (YoY) | 50.56% | 56.62% | 21.94% | -4.16% | -9.84% | -20.70% | -28.68% | -24.70% | -2,054 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 | 1.03% | 1.17% | 1.75% | 0.41% | 1.88% | 3.03% | 4.57% | 0.01% | -40 bps | |
| Allowance / Loans | 2.51% | 2.60% | 4.64% | 4.26% | 5.49% | 4.69% | 4.80% | 4.70% | +44 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 | 10.57% | 10.16% | 7.90% | 7.55% | 6.62% | 6.31% | 4.49% | 3.52% | -403 bps | |
| Equity / Assets | 6.39% | 5.89% | 3.98% | 4.30% | 3.58% | 3.61% | 2.37% | 1.70% | -260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.60% | 68.28% | 67.01% | 77.55% | 66.77% | 68.36% | 64.36% | 65.50% | -1,204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 20.97% | 13.96% | 20.33% | 16.51% | 13.93% | 10.82% | -314 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |