Henderson, NV · Cert 35421
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.
Henderson, NV · Cert 35421
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 | 1.05% | 1.15% | 1.21% | 1.30% | 0.80% | 0.22% | -0.58% | -1.19% | -249 bps | |
| Return on Equity | 10.90% | 12.02% | 12.60% | 13.66% | 8.87% | 2.49% | -6.66% | -14.32% | -2,798 bps | |
| Net Interest Margin | 4.16% | 4.19% | 4.18% | 4.04% | 3.52% | 3.65% | 3.63% | 3.25% | -78 bps | |
| Efficiency Ratio | 48.76% | 48.75% | 49.20% | 48.27% | 59.47% | 58.87% | 57.08% | 60.13% | +1,186 bps | |
| Non-Interest Burden | 1.95% | 1.97% | 2.00% | 1.89% | 2.05% | 2.09% | 2.01% | 1.91% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.89% | 5.62% | 4.42% | 6.86% | 5.28% | 5.50% | 13.62% | 12.45% | +559 bps | |
| Loan Growth (YoY) | 1.21% | 6.04% | 7.89% | 4.93% | 5.55% | 6.40% | -1.17% | -2.83% | -776 bps | |
| Deposit Growth (YoY) | 0.96% | 4.93% | 3.67% | 7.99% | 5.71% | 6.31% | 19.54% | 23.62% | +1,563 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 | 0.00% | -0.02% | 0.00% | 0.01% | 0.58% | 1.54% | 1.39% | 2.22% | +221 bps | |
| Allowance / Loans | 1.20% | 1.27% | 1.25% | 1.23% | 1.14% | 1.09% | 1.70% | 2.85% | +163 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 | 10.49% | 10.66% | 10.54% | 10.31% | 10.42% | 10.16% | 10.04% | 9.32% | -98 bps | |
| Equity / Assets | 9.34% | 9.51% | 9.73% | 9.12% | 8.82% | 8.69% | 7.98% | 7.08% | -204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.11% | 116.29% | 126.91% | 119.19% | 113.93% | 116.39% | 104.93% | 93.68% | -2,551 bps | |
| Liquid Assets / Assets | 0.06% | 0.04% | 0.02% | 4.26% | 8.65% | 6.75% | 13.49% | 18.16% | +1,390 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |