Las Vegas, NV · Cert 57969
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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 57969
FDIC
Q4 2011
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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -0.12% | -0.32% | -0.81% | -0.54% | -0.94% | -0.83% | -0.58% | +23 bps | |
| Return on Equity | -0.34% | -0.12% | -0.33% | -0.82% | -0.57% | -0.98% | -0.87% | -0.60% | +21 bps | |
| Net Interest Margin | 3.23% | 3.18% | 3.40% | 15.72% | 6.19% | 6.17% | 6.22% | 5.98% | -974 bps | |
| Efficiency Ratio | 60.76% | 65.76% | 66.77% | 75.56% | 129.05% | 122.02% | 117.06% | 124.33% | +4,877 bps | |
| Non-Interest Burden | 1.72% | 1.89% | 2.07% | 11.11% | 8.70% | 8.09% | 7.72% | 7.98% | -313 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -78.81% | -4.71% | -85.49% | -83.72% | -83.70% | -83.66% | -2.02% | 0.09% | +8,381 bps | |
| Loan Growth (YoY) | -96.83% | -34.32% | -34.99% | -35.18% | -34.02% | -36.13% | -33.96% | -32.98% | +220 bps | |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 17.32% | 17.28% | 18.61% | 17.28% | 12.13% | 12.39% | 11.97% | 11.61% | -567 bps | |
| Allowance / Loans | 15.06% | 14.72% | 15.89% | 17.26% | 15.49% | 14.88% | 13.81% | 10.73% | -653 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 | 349% | 360% | 163.41% | 165.11% | 176.55% | 191.01% | 199.57% | 205% | +3,958 bps | |
| Equity / Assets | 98.94% | 99.24% | 95.39% | 95.32% | 95.29% | 95.23% | 95.20% | 95.30% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 1820% | 1652% | 1478% | 1352% | 1201% | 1055% | 976% | 906% | -44,600 bps | |
| Liquid Assets / Assets | 82.82% | 83.90% | 10.63% | 30.08% | 34.84% | 39.81% | 42.37% | 44.01% | +1,393 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |