Las Vegas, NV · Cert 35418
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.60% | -2.03% | -6.60% | -0.68% | -4.04% | -1.25% | -6.43% | -3.22% | -254 bps | |
| Return on Equity | -38.05% | -33.04% | -133.12% | -16.41% | -102.49% | -34.82% | -212% | -157.21% | -14,080 bps | |
| Net Interest Margin | 2.81% | 2.33% | 1.89% | 1.96% | 2.23% | 1.67% | 2.24% | 2.54% | +58 bps | |
| Efficiency Ratio | 115.73% | 135.96% | 164.58% | 149.04% | 150.38% | 167.44% | 474% | 346% | +19,730 bps | |
| Non-Interest Burden | 3.34% | 3.40% | 3.76% | 3.00% | 3.55% | 3.27% | 6.50% | 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 | 1.38% | 1.40% | 3.36% | 0.41% | 3.27% | 5.09% | 7.31% | 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 |