Las Vegas, NV · Charter 7062
Q2 2000
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.39% | 1.46% | 1.76% | 2.64% | 2.34% | -10.26% | -25.51% | -4.60% | -724 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 5.45% | 6.12% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 322% | 119.46% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.28% | 47.52% | 48.03% | 43.56% | 42.62% | 13.03% | -15.52% | -22.22% | -6,578 bps | |
| Loan Growth (YoY) | 11.01% | 22.02% | 40.69% | 35.93% | 29.98% | 18.59% | 10.08% | 7.30% | -2,864 bps | |
| Share Growth (YoY) | 38.79% | 57.82% | 59.06% | 53.52% | 51.80% | 24.59% | 6.83% | -6.00% | -5,952 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.45% | 0.38% | 0.18% | 2.00% | 8.37% | 7.67% | 9.01% | +883 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 | 0.44% | 0.39% | 0.28% | 0.25% | 0.24% | 8.58% | 2.62% | 3.32% | +307 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.70% | 81.29% | 80.56% | 77.61% | 77.66% | 77.37% | 83.02% | 88.59% | +1,098 bps | |
| Liquid Assets / Assets | 18.26% | 20.56% | 16.41% | 19.09% | 19.09% | 12.22% | 6.41% | 3.11% | -1,598 bps | |