Las Vegas, NV · Cert 57035
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.26% | 1.64% | 1.49% | 1.64% | 1.56% | 1.93% | 1.83% | +34 bps | |
| Return on Equity | 14.26% | 13.21% | 17.53% | 16.03% | 17.99% | 17.67% | 21.70% | 18.70% | +268 bps | |
| Net Interest Margin | 4.71% | 5.07% | 5.09% | 5.13% | 5.31% | 5.01% | 5.15% | 5.19% | +5 bps | |
| Efficiency Ratio | 55.27% | 52.46% | 52.50% | 52.35% | 46.60% | 45.83% | 45.07% | 65.08% | +1,273 bps | |
| Non-Interest Burden | 2.59% | 2.59% | 2.64% | 2.64% | 2.41% | 2.23% | 2.26% | 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 | 0.27% | -0.06% | 0.26% | -0.25% | 0.00% | 0.35% | 0.01% | -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 |