Las Vegas, NV · Cert 35434
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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 35434
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.11% | -6.44% | -3.35% | -7.12% | -6.92% | -1.60% | -7.88% | -453 bps | |
| Return on Equity | 2.08% | 0.79% | -61.50% | -32.90% | -77.53% | -83.64% | -36.62% | -245% | -21,203 bps | |
| Net Interest Margin | 4.10% | 3.69% | 2.00% | 2.53% | 2.65% | 2.55% | 1.99% | 1.61% | -93 bps | |
| Efficiency Ratio | 84.27% | 85.21% | 396% | 211% | 230% | 214% | 157.61% | 385% | +17,468 bps | |
| Non-Interest Burden | 3.43% | 3.15% | 7.94% | 5.59% | 6.33% | 5.65% | 3.37% | 6.89% | +130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.29% | 46.14% | 35.69% | 22.32% | 11.29% | -2.24% | -5.21% | -8.48% | -3,080 bps | |
| Loan Growth (YoY) | 31.10% | 33.51% | 10.53% | 8.57% | 4.29% | -5.62% | -1.00% | -16.59% | -2,517 bps | |
| Deposit Growth (YoY) | 22.59% | 44.31% | 35.38% | 26.52% | 17.70% | 5.86% | -0.23% | 0.81% | -2,570 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 | 0.08% | 0.08% | 1.13% | 1.78% | 4.38% | 3.83% | 1.84% | 4.33% | +255 bps | |
| Allowance / Loans | 1.06% | 1.27% | 2.32% | 1.59% | 3.30% | 3.14% | 2.81% | 3.06% | +147 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 | 15.26% | 14.76% | 11.88% | 11.67% | 6.54% | 6.16% | 5.95% | 1.61% | -1,005 bps | |
| Equity / Assets | 13.03% | 11.38% | 9.56% | 9.65% | 6.08% | 4.54% | 4.21% | 0.76% | -889 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.14% | 102.28% | 91.53% | 102.31% | 97.59% | 91.18% | 90.82% | 84.65% | -1,766 bps | |
| Liquid Assets / Assets | 1.57% | 1.85% | 6.27% | 1.90% | 0.62% | 0.62% | 4.10% | 5.19% | +329 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |