North Las Vegas, NV · Cert 58358
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
North Las Vegas, NV · Cert 58358
FDIC
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.51% | -8.20% | -7.71% | -3.28% | -2.67% | -2.32% | -2.42% | 1.35% | +464 bps | |
| Return on Equity | -664% | -512% | -434% | -124.10% | -104.02% | -95.72% | -104.21% | 60.29% | +18,438 bps | |
| Net Interest Margin | 2.66% | 2.66% | 2.75% | 3.10% | 3.11% | 3.40% | 3.48% | 3.47% | +37 bps | |
| Efficiency Ratio | 2583% | 1670% | 1269% | 176.00% | 165.32% | 150.79% | 155.74% | 185.44% | +944 bps | |
| Non-Interest Burden | 8.36% | 8.44% | 8.80% | 5.75% | 5.51% | 5.68% | 5.93% | 6.73% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.23% | -26.74% | -31.23% | -24.54% | -36.23% | -27.55% | -10.61% | -22.62% | +192 bps | |
| Loan Growth (YoY) | -25.33% | -25.35% | -26.56% | -27.10% | -26.84% | -20.05% | -15.43% | -18.48% | +862 bps | |
| Deposit Growth (YoY) | -17.46% | -26.30% | -33.68% | -24.86% | -36.12% | -30.52% | -9.37% | -22.19% | +267 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 | -0.33% | 1.65% | 3.41% | 2.92% | 1.27% | 3.64% | 3.01% | -0.42% | -334 bps | |
| Allowance / Loans | 10.40% | 10.16% | 8.81% | 8.77% | 9.73% | 7.84% | 7.70% | 6.75% | -202 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 | 5.28% | 4.91% | 5.22% | 5.07% | 4.59% | 4.01% | 4.09% | 4.77% | -30 bps | |
| Equity / Assets | 2.45% | 2.18% | 2.70% | 2.58% | 2.38% | 1.97% | 1.93% | 2.62% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.64% | 63.53% | 72.81% | 70.19% | 71.74% | 73.10% | 67.94% | 73.54% | +335 bps | |
| Liquid Assets / Assets | 29.50% | 31.65% | 23.15% | 22.54% | 18.79% | 17.95% | 20.34% | 17.25% | -529 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |