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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.28% | -2.67% | -2.32% | -2.42% | 1.35% | +464 bps | |
| Return on Equity | -124.10% | -104.02% | -95.72% | -104.21% | 60.29% | +18,438 bps | |
| Net Interest Margin | 3.10% | 3.11% | 3.40% | 3.48% | 3.47% | +37 bps | |
| Efficiency Ratio | 176.00% | 165.32% | 150.79% | 155.74% | 185.44% | +944 bps | |
| Non-Interest Burden | 5.75% | 5.51% | 5.68% | 5.93% | 6.73% | +97 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -24.54% | -36.23% | -27.55% | -10.61% | -22.62% | +192 bps | |
| Loan Growth (YoY) | -27.10% | -26.84% | -20.05% | -15.43% | -18.48% | +862 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 2.92% | 1.27% | 3.64% | 3.01% | -0.42% | -334 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 5.07% | 4.59% | 4.01% | 4.09% | 4.77% | -30 bps | |
| Equity / Assets | 2.58% | 2.38% | 1.97% | 1.93% | 2.62% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.19% | 71.74% | 73.10% | 67.94% | 73.54% | +335 bps | |
| Liquid Assets / Assets | 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 |