Western_Alliance

Financial Highlights

WESTERN ALLIANCE BANCORPORATION (NYSE - WAL)

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	3,967,962	3,947,211	0.53	4,028,867	(6.05)
Loans Held for Sale, before Reserves	0	0	0.00	0	0.00
Loan Loss Reserve	104,181	57,097	82.46	84,143	95.26
Net Loans Receivable	3,863,781	3,890,114	(0.68)	3,944,724	(8.21)
Intangible Assets	51,589	160,548	(67.87)	53,110	(11.46)
Total Assets	5,831,317	5,228,970	11.52	5,701,536	9.10
Deposits	4,752,235	3,509,005	35.43	4,392,257	32.78
Debt, Senior and Subordinated	445,388	1,207,166	(63.10)	657,202	(128.92)
Common Equity	475,719	477,875	(0.45)	495,078	(15.64)
Total Shareholders' Equity	602,967	477,875	26.18	621,637	(12.01)
Shares Outstanding (actual)	72,489,100	38,499,213	88.29	72,434,732	0.30

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	48,970	49,862	(1.79)	50,801	(14.42)
Provision for Loan Losses	50,750	14,716	244.86	37,573	140.28
Noninterest Income	10,059	12,663	(20.56)	6,652	204.87
Noninterest Expense	52,711	119,905	(56.04)	49,990	21.77
Net Income Before Taxes	(41,330)	(104,697)	(60.52)	(23,517)	302.98
Provision for Taxes	(17,415)	(10,040)	73.46	(9,380)	342.64
Net Income	(23,915)	(94,708)	(74.75)	(14,137)	276.66

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	6.56	12.41	(47.14)	6.83	(15.81)
Tangible Book Value	5.85	8.24	(29.03)	6.10	(16.32)
Diluted EPS Before Extra	(0.37)	(2.84)	(86.97)	(0.31)	77.42
Diluted EPS After Extra	(0.37)	(2.84)	(86.97)	(0.31)	77.42
Dividends Declared	0.0000	0.0000	0.00	0.0000	0.00

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	(1.63)	(7.23)	560	(1.07)	(56)
ROAE	(14.78)	(71.63)	5,685	(10.94)	(384)
Net Interest Margin	3.69	4.36	(67)	4.17	(48)
Loans / Deposits	83.50	112.49	(2,899)	91.73	(823)
Efficiency Ratio	78.34	70.45	789	83.45	(511)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	9.54	6.26	328	10.07	(53)
Equity/ Assets	10.34	9.14	120	10.90	(56)
Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	4.86	0.90	395	3.48	138
Loan Loss Reserves/ Gross Loans	2.63	1.45	118	2.09	54
Loan Loss Reserves/ NPAs	36.78	120.91	(8,413)	42.46	(568)
Net Charge-offs/ Avg Loans	3.05	1.66	139	3.00	5

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	12.10	8.92	318	13.20	(110)

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

* Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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