Las Vegas, NV · Cert 58473
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 11.34% | 1.56% | -8.56% | -16.96% | -2.76% | 0.13% | -1.41% | -1.48% | +1,549 bps | |
| Return on Equity | 72.88% | 6.98% | -36.22% | -90.69% | -18.01% | 0.83% | -8.42% | -8.59% | +8,210 bps | |
| Net Interest Margin | -6.91% | 8.54% | 4.36% | 3.23% | 3.56% | 3.44% | 2.74% | 3.43% | +20 bps | |
| Efficiency Ratio | 85.35% | 44.64% | 69.56% | 136.73% | 103.48% | 95.11% | 121.37% | 114.17% | -2,256 bps | |
| Non-Interest Burden | -10.34% | 3.71% | 2.96% | 16.27% | 3.74% | 3.31% | 3.43% | 4.12% | -1,215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.11% | -16.00% | -25.72% | 6.49% | -5.44% | 1.87% | 1.28% | -20.35% | -2,684 bps | |
| Loan Growth (YoY) | -22.42% | -22.55% | -18.90% | -15.72% | -4.14% | -17.52% | -15.22% | -11.52% | +420 bps | |
| Deposit Growth (YoY) | -12.82% | -28.75% | -36.95% | 1.06% | 1.13% | 12.82% | 9.35% | -22.73% | -2,379 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 | -12.50% | 0.43% | 4.80% | 12.32% | 5.39% | 1.10% | 1.68% | -0.70% | -1,301 bps | |
| Allowance / Loans | 0.03% | 1.26% | 4.35% | 2.95% | 2.87% | 3.19% | 3.07% | 3.48% | +53 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 | 30.10% | 33.73% | 31.96% | 29.63% | 29.66% | 36.88% | 35.98% | 34.34% | +471 bps | |
| Equity / Assets | 20.62% | 24.40% | 22.86% | 15.23% | 15.43% | 16.69% | 16.86% | 17.55% | +232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.77% | 77.27% | 76.94% | 58.59% | 62.34% | 56.49% | 59.65% | 67.10% | +851 bps | |
| Liquid Assets / Assets | 34.87% | 28.35% | 30.73% | 45.70% | 41.26% | 48.01% | 45.17% | 41.31% | -439 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |