Las Vegas, NV · Charter 6573
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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 · Charter 6573
Q2 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.31% | -5.09% | -5.04% | -3.92% | -0.59% | -0.70% | 0.09% | -0.68% | +324 bps | |
| Return on Equity | -46.13% | -48.75% | -52.60% | -44.16% | -6.26% | -7.00% | 0.92% | -6.94% | +3,722 bps | |
| Net Interest Margin | 3.24% | 3.29% | 3.41% | 3.22% | 3.67% | 3.97% | 3.50% | 3.54% | +31 bps | |
| Efficiency Ratio | 81.21% | 83.16% | 69.38% | 69.28% | 68.69% | 62.93% | 70.38% | 73.60% | +432 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | -2.62% | -2.06% | 2.52% | -6.45% | -13.86% | -11.28% | -17.08% | -1,959 bps | |
| Loan Growth (YoY) | -2.38% | -5.45% | -7.69% | -10.56% | -12.08% | -14.16% | -17.82% | -17.24% | -668 bps | |
| Share Growth (YoY) | -0.42% | -0.25% | 2.11% | 4.40% | -4.38% | -13.78% | -11.91% | -15.93% | -2,034 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.16% | 3.59% | 6.94% | 6.53% | 7.25% | 7.75% | 4.60% | 4.21% | -232 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.01% | 3.89% | 5.32% | 5.48% | 5.56% | 5.96% | 6.50% | 6.52% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.51% | 10.45% | 9.57% | 8.88% | 9.37% | 9.94% | 9.86% | 9.75% | +87 bps | |
| Net Worth / Assets | 11.51% | 10.45% | 9.57% | 8.88% | 9.37% | 9.94% | 9.86% | 9.75% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.54% | 72.67% | 72.15% | 67.89% | 68.54% | 72.35% | 67.31% | 66.84% | -105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |