Las Vegas, NV · Cert 58418
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.
Las Vegas, NV · Cert 58418
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 | -1.24% | -0.13% | -0.19% | 0.23%1 | -0.71% | -1.08% | -0.89% | 0.31% | +8 bps | |
| Return on Equity | -9.26% | -0.99% | -1.54% | 2.14% | -6.54% | -9.95% | -8.18% | 3.14% | +99 bps | |
| Net Interest Margin | 3.55% | 3.83% | 3.28% | 2.91% | 2.76% | 2.77% | 2.62% | 2.63% | -27 bps | |
| Efficiency Ratio | 144.74% | 114.34% | 114.23% | 110.88% | 134.64% | 151.70% | 145.86% | 98.58% | -1,230 bps | |
| Non-Interest Burden | 5.08% | 4.47% | 3.83% | 3.34% | 3.89% | 4.66% | 4.21% | 2.59% | -74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.64% | 7.56% | 28.70% | 26.70% | 20.84% | 8.81% | -0.49% | 14.64% | -1,206 bps | |
| Loan Growth (YoY) | -19.44% | -23.93% | -22.68% | -19.47% | -20.59% | -16.67% | -38.80% | -35.97% | -1,651 bps | |
| Deposit Growth (YoY) | 5.31% | 15.60% | 33.67% | 30.89% | 23.54% | 9.84% | -0.25% | 16.74% | -1,415 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 | -0.22% | -0.16% | 1.01% | 4.31% | 3.81% | 1.20% | -0.14% | -1.39% | -569 bps | |
| Allowance / Loans | 7.28% | 8.05% | 7.23% | 6.20% | 5.60% | 5.90% | 9.61% | 9.69% | +348 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 | 22.38% | 24.27% | 23.51% | 23.90% | 23.42% | 24.05% | 27.89% | 25.55% | +166 bps | |
| Equity / Assets | 12.67% | 12.15% | 10.87% | 10.72% | 10.77% | 11.24% | 10.66% | 9.06% | -165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.30% | 43.73% | 38.34% | 35.51% | 34.26% | 33.17% | 23.53% | 19.48% | -1,604 bps | |
| Liquid Assets / Assets | 12.11% | 11.09% | 4.19% | 5.74% | 1.11% | 1.51% | 2.93% | 23.86% | +1,812 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |