Las Vegas, NV · Cert 35434
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | -0.38% | -6.44% | -0.25% | -14.73% | -6.31% | -1.60% | -14.33% | -1,408 bps | |
| Return on Equity | 1.84% | -3.15% | -61.50% | -2.64% | -187.00% | -118.74% | -36.62% | -567% | -56,468 bps | |
| Net Interest Margin | 3.55% | 3.18% | 2.00% | 3.04% | 2.83% | 2.38% | 1.99% | 1.16% | -188 bps | |
| Efficiency Ratio | 84.41% | 89.19% | 396% | 102.53% | 267% | 161.06% | 157.61% | 841% | +73,853 bps | |
| Non-Interest Burden | 2.96% | 2.87% | 7.94% | 3.13% | 7.74% | 3.88% | 3.37% | 10.31% | +718 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 | -0.26% | 0.09% | 1.13% | 2.52% | 9.51% | 1.45% | 1.84% | 6.66% | +413 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 |