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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.66% | -1.22% | -1.31% | -0.81% | 0.33% | -0.25% | -1.02% | -0.53% | +28 bps | |
| Return on Equity | -78.42% | -59.29% | -63.55% | -38.13% | 14.03% | -10.17% | -41.40% | -22.33% | +1,580 bps | |
| Net Interest Margin | 2.87% | 3.00% | 3.48% | 3.86% | 3.16% | 3.54% | 3.41% | 4.06% | +20 bps | |
| Efficiency Ratio | 162.41% | 141.91% | 132.68% | 93.88% | 93.19% | 105.78% | 128.85% | 112.11% | +1,823 bps | |
| Non-Interest Burden | 4.56% | 4.21% | 4.56% | 3.60% | 2.83% | 3.79% | 4.43% | 4.60% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.98% | -16.25% | -18.83% | -18.05% | -19.97% | -18.50% | -18.25% | -18.12% | -7 bps | |
| Loan Growth (YoY) | -21.04% | -23.31% | -24.38% | -21.07% | -21.04% | -19.67% | -17.83% | -20.72% | +36 bps | |
| Deposit Growth (YoY) | -6.93% | -11.43% | -18.11% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.10% | 4.43% | 6.52% | 1.52% | 1.67% | 1.30% | -0.06% | -1.81% | -332 bps | |
| Allowance / Loans | 5.41% | 4.71% | 3.53% | 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 | 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 | 3.95% | 3.97% | 3.82% | 4.11% | 4.43% | 4.56% | 4.33% | 4.42% | +31 bps | |
| Equity / Assets | 2.03% | 2.10% | 2.01% | 2.25% | 2.46% | 2.53% | 2.40% | 2.37% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.76% | 76.14% | 75.62% | 75.10% | 74.51% | 74.38% | 75.74% | 72.41% | -268 bps | |
| Liquid Assets / Assets | 20.25% | 19.39% | 19.31% | 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 | n/a | n/a | n/a |