Henderson, NV · Cert 35421
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 | 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% | 1.24% | 1.32% | 1.57% | 0.80% | -0.34% | -2.11% | -2.92% | -449 bps | |
| Return on Equity | 10.90% | 13.16% | 13.75% | 16.70% | 8.87% | -3.92% | -25.36% | -38.80% | -5,550 bps | |
| Net Interest Margin | 4.16% | 4.18% | 4.27% | 3.99% | 3.52% | 3.85% | 3.79% | 2.82% | -117 bps | |
| Efficiency Ratio | 48.76% | 48.75% | 50.09% | 45.42% | 59.47% | 58.34% | 53.71% | 71.20% | +2,578 bps | |
| Non-Interest Burden | 1.95% | 1.97% | 2.09% | 1.75% | 2.05% | 2.17% | 1.98% | 1.98% | +23 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% | -0.03% | 0.04% | 0.03% | 0.58% | 2.51% | 1.01% | 4.57% | +454 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 |