Las Vegas, NV · Cert 57035
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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 57035
FDIC
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.27% | 1.37% | 1.49% | 1.56% | 1.56% | 1.67% | 1.83% | +34 bps | |
| Return on Equity | 13.00% | 13.04% | 14.24% | 16.03% | 16.99% | 17.23% | 18.41% | 18.70% | +268 bps | |
| Net Interest Margin | 4.60% | 4.74% | 4.63% | 5.13% | 5.04% | 4.71% | 4.68% | 5.19% | +5 bps | |
| Efficiency Ratio | 56.30% | 54.92% | 54.25% | 52.35% | 49.33% | 48.10% | 47.27% | 65.08% | +1,273 bps | |
| Non-Interest Burden | 2.58% | 2.57% | 2.48% | 2.64% | 2.43% | 2.21% | 2.16% | 3.32% | +68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.74% | 42.85% | 20.81% | 22.16% | 25.56% | 25.29% | 21.72% | 6.20% | -1,596 bps | |
| Loan Growth (YoY) | 26.78% | 34.48% | 18.04% | 25.06% | 36.75% | 29.11% | 29.74% | 8.20% | -1,685 bps | |
| Deposit Growth (YoY) | 30.08% | 49.27% | 21.37% | 23.12% | 22.50% | 25.98% | 21.84% | 3.99% | -1,913 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% | 0.13% | 0.16% | -0.25% | -0.11% | 0.04% | 0.03% | -0.16% | +9 bps | |
| Allowance / Loans | 1.27% | 1.34% | 1.27% | 1.25% | 1.27% | 1.29% | 1.29% | 1.12% | -13 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 | 11.24% | 10.54% | 10.66% | 10.45% | 10.23% | 10.17% | 10.74% | 11.94% | +149 bps | |
| Equity / Assets | 9.64% | 9.44% | 9.31% | 9.32% | 8.95% | 8.71% | 9.04% | 10.66% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.32% | 82.06% | 80.27% | 87.51% | 89.66% | 84.10% | 85.47% | 91.05% | +355 bps | |
| Liquid Assets / Assets | 1.34% | 1.92% | 1.63% | 1.54% | 0.04% | 1.14% | 1.34% | 0.00% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |