Las Vegas, NV · Charter 68419
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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 68419
Q2 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 1.16% | 1.06% | 0.75% | 0.93% | -40 bps | |
| Return on Equity | 14.30% | 12.78% | 11.51% | 8.56% | 10.61% | -369 bps | |
| Net Interest Margin | 3.41% | 3.27% | 3.27% | 3.10% | 3.08% | -32 bps | |
| Efficiency Ratio | 70.81% | 72.33% | 74.30% | 79.88% | 78.41% | +760 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.84% | 23.06% | 19.61% | 20.40% | 17.52% | -232 bps | |
| Loan Growth (YoY) | 10.23% | 17.44% | 22.09% | 34.58% | 41.35% | +3,113 bps | |
| Share Growth (YoY) | 18.85% | 20.80% | 18.32% | 18.57% | 18.51% | -34 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.43% | 0.46% | 0.40% | 0.22% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.55% | 0.50% | 0.48% | 0.40% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.28% | 9.11% | 9.18% | 8.70% | 8.74% | -53 bps | |
| Net Worth / Assets | 9.28% | 9.11% | 9.18% | 8.70% | 8.74% | -53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.06% | 78.31% | 81.10% | 83.30% | 88.34% | +1,428 bps | |
| Liquid Assets / Assets | 11.63% | 9.84% | 14.08% | 14.79% | 11.98% | +35 bps | |