North Las Vegas, NV · Cert 58358
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -13.03% | -5.17% | -5.63% | -3.28% | -1.96% | -1.62% | -2.80% | 1.35% | +464 bps | |
| Return on Equity | -531% | -222% | -233% | -124.10% | -79.02% | -74.46% | -143.86% | 60.29% | +18,438 bps | |
| Net Interest Margin | 2.67% | 2.35% | 2.31% | 3.10% | 2.93% | 3.51% | 3.60% | 3.47% | +37 bps | |
| Efficiency Ratio | 1137% | 950% | 713% | 176.00% | 154.50% | 130.03% | 172.44% | 185.44% | +944 bps | |
| Non-Interest Burden | 8.70% | 7.59% | 7.62% | 5.75% | 4.91% | 5.18% | 6.51% | 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 | -0.49% | 5.70% | 8.33% | 2.92% | -0.64% | 8.31% | 0.99% | -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 |