Las Vegas, NV · Cert 57276
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.81% | 0.33% | -0.25% | -1.02% | -0.53% | +28 bps | |
| Return on Equity | -38.13% | 14.03% | -10.17% | -41.40% | -22.33% | +1,580 bps | |
| Net Interest Margin | 3.86% | 3.16% | 3.54% | 3.41% | 4.06% | +20 bps | |
| Efficiency Ratio | 93.88% | 93.19% | 105.78% | 128.85% | 112.11% | +1,823 bps | |
| Non-Interest Burden | 3.60% | 2.83% | 3.79% | 4.43% | 4.60% | +100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.05% | -19.97% | -18.50% | -18.25% | -18.12% | -7 bps | |
| Loan Growth (YoY) | -21.07% | -21.04% | -19.67% | -17.83% | -20.72% | +36 bps | |
| Deposit Growth (YoY) | -16.11% | -18.65% | -17.77% | -17.96% | -17.78% | -167 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.52% | 1.67% | 1.30% | -0.06% | -1.81% | -332 bps | |
| Allowance / Loans | 3.39% | 3.19% | 3.04% | 3.21% | 3.88% | +49 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 4.11% | 4.43% | 4.56% | 4.33% | 4.42% | +31 bps | |
| Equity / Assets | 2.25% | 2.46% | 2.53% | 2.40% | 2.37% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.10% | 74.51% | 74.38% | 75.74% | 72.41% | -268 bps | |
| Liquid Assets / Assets | 16.98% | 19.61% | 20.91% | 19.32% | 22.58% | +559 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |