Las Vegas, NV · Cert 58473
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 1.56% | -3.23% | -7.72% | -6.49% | 0.13% | -0.62% | -0.89% | +683 bps | |
| Return on Equity | 0.72% | 6.98% | -14.36% | -37.58% | -33.27% | 0.83% | -3.78% | -5.36% | +3,222 bps | |
| Net Interest Margin | 0.69% | 8.54% | 6.41% | 4.99% | 4.43% | 3.44% | 3.16% | 3.35% | -164 bps | |
| Efficiency Ratio | 84.29% | 44.64% | 53.48% | 72.08% | 78.37% | 95.11% | 106.46% | 109.42% | +3,734 bps | |
| Non-Interest Burden | 0.58% | 3.71% | 3.32% | 7.45% | 6.23% | 3.31% | 3.43% | 3.78% | -367 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 | 0.00% | 0.43% | 2.61% | 5.84% | 5.73% | 1.10% | 1.38% | 0.65% | -520 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 |