Las Vegas, NV · Cert 58499
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.01% | -8.19% | -8.79% | -7.83% | -7.26% | -7.47% | -10.36% | -7.90% | -6 bps | |
| Return on Equity | -44.79% | -43.93% | -69.20% | -64.41% | -63.02% | -68.15% | -138.97% | -115.71% | -5,130 bps | |
| Net Interest Margin | 2.50% | 2.38% | 1.87% | 2.20% | 2.39% | 2.53% | 1.82% | 2.45% | +25 bps | |
| Efficiency Ratio | 305% | 309% | 339% | 308% | 294% | 296% | 465% | 357% | +4,837 bps | |
| Non-Interest Burden | 7.72% | 7.48% | 6.51% | 6.94% | 7.19% | 7.66% | 8.83% | 9.02% | +208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.64% | 28.62% | 17.55% | -7.79% | -10.70% | -20.15% | -23.84% | -22.77% | -1,498 bps | |
| Loan Growth (YoY) | 19.64% | 4.90% | -6.50% | -8.93% | -8.56% | -23.36% | -23.81% | -27.34% | -1,841 bps | |
| Deposit Growth (YoY) | 50.39% | 52.18% | 37.09% | -1.45% | -4.91% | -15.69% | -19.60% | -18.27% | -1,682 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 | 0.95% | 0.74% | 3.68% | 4.76% | 3.27% | 4.44% | 6.15% | 2.20% | -255 bps | |
| Allowance / Loans | 3.14% | 3.53% | 4.11% | 3.64% | 4.15% | 4.47% | 4.24% | 5.25% | +161 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 | 20.33% | 18.59% | 16.16% | 14.94% | 13.18% | 12.44% | 9.48% | 8.13% | -681 bps | |
| Equity / Assets | 15.03% | 13.47% | 11.90% | 10.97% | 9.47% | 8.35% | 6.46% | 5.43% | -554 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.43% | 84.50% | 84.95% | 85.77% | 84.07% | 76.82% | 80.49% | 76.25% | -952 bps | |
| Liquid Assets / Assets | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |