Las Vegas, NV · Charter 86753
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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 86753
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.10% | -0.35% | -1.51% | -2.01% | -2.33% | -9.34% | -11.42% | -991 bps | |
| Return on Equity | -1.81% | -1.16% | -4.04% | -18.48% | -26.77% | -32.99% | -271% | -6502% | -648,331 bps | |
| Net Interest Margin | 3.46% | 3.45% | 3.63% | 3.76% | 3.81% | 3.66% | 3.81% | 3.70% | -6 bps | |
| Efficiency Ratio | 100.93% | 98.94% | 95.89% | 94.01% | 94.87% | 105.78% | 117.54% | 144.17% | +5,015 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.05% | -4.58% | -9.55% | -5.31% | -7.65% | -6.93% | -13.06% | -15.96% | -1,064 bps | |
| Loan Growth (YoY) | -2.50% | -3.12% | 1.63% | 0.76% | -6.11% | -6.14% | -11.45% | -13.84% | -1,460 bps | |
| Share Growth (YoY) | -12.11% | -8.29% | -6.45% | -6.04% | -4.28% | -0.73% | -4.18% | -7.20% | -116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 2.37% | 1.68% | 3.93% | 1.98% | 4.25% | 3.70% | 8.24% | +431 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 | 0.16% | 0.18% | 0.30% | 1.42% | 1.78% | 2.26% | 5.91% | 7.63% | +621 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.78% | 8.99% | 8.76% | 8.18% | 7.50% | 7.06% | 3.45% | 0.18% | -800 bps | |
| Net Worth / Assets | 8.78% | 8.99% | 8.76% | 8.18% | 7.50% | 7.06% | 3.45% | 0.18% | -800 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.61% | 103.30% | 106.25% | 108.78% | 106.53% | 97.66% | 98.19% | 101.00% | -778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |