Las Vegas, NV · Cert 58393
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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 58393
FDIC
Q1 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | -0.37% | -1.45% | -1.54% | -2.83% | n/a | |
| Return on Equity | n/a | n/a | n/a | -8.36% | n/a | n/a |
| Net Interest Margin | 2.79% | 1.82% | 1.80% | 1.96% | n/a | |
| Efficiency Ratio | 129.91% | 155.83% | 165.03% | 210% | n/a | |
| Non-Interest Burden | 3.62% | 2.83% | 2.97% | 4.12% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | 0.22% | 1.29% | 1.15% | 1.39% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 282% | 121.92% | 72.72% | 67.97% | n/a | |
| Equity / Assets | 75.40% | 48.89% | 36.16% | 31.83% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Deposits | 29.40% | 68.09% | 90.94% | 75.86% | n/a | |
| Liquid Assets / Assets | 0.00% | 11.45% | 8.74% | 8.37% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a |