Las Vegas, NV · Cert 18113
FDIC · 50 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 · Cert 18113
FDIC · 50 branches
Q3 2015
Market Position · Las Vegas-Henderson-Paradise, NV · 2015 SOD (annual) · 5.7% share · #6 of 38 inst. · $2.6B of $45.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.23% | 0.41% | 0.51% | 0.55% | 0.86% | 0.62% | 0.59% | +7 bps | |
| Return on Equity | 4.69% | 2.53% | 4.41% | 5.55% | 5.93% | 9.33% | 6.84% | 6.53% | +98 bps | |
| Net Interest Margin | 2.88% | 2.83% | 2.80% | 2.81% | 2.80% | 2.74% | 2.67% | 2.63% | -18 bps | |
| Efficiency Ratio | 86.05% | 87.03% | 89.21% | 87.34% | 88.66% | 87.01% | 87.31% | 87.29% | -5 bps | |
| Non-Interest Burden | 2.39% | 2.37% | 2.41% | 2.35% | 2.39% | 2.28% | 2.23% | 2.19% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.05% | -0.51% | 1.79% | 1.69% | 2.94% | 4.63% | 5.63% | 7.17% | +548 bps | |
| Loan Growth (YoY) | 9.46% | 11.14% | 8.77% | 8.89% | 5.44% | 2.47% | 1.54% | -3.90% | -1,279 bps | |
| Deposit Growth (YoY) | -0.39% | 0.62% | 2.58% | 2.01% | 2.78% | 4.56% | 6.12% | 7.84% | +582 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.00% | -0.02% | -0.02% | 0.01% | -1.03% | -0.64% | -0.46% | -43 bps | |
| Allowance / Loans | 3.25% | 3.09% | 2.87% | 2.57% | 2.21% | 2.14% | 2.10% | 1.99% | -58 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 9.31% | 8.86% | 8.69% | n/a | |
| Total Risk-Based Capital | 16.38% | 16.51% | 16.88% | 16.58% | 16.78% | 17.03% | 17.10% | 17.26% | +68 bps | |
| Equity / Assets | 9.23% | 9.15% | 9.25% | 9.40% | 9.33% | 9.08% | 8.81% | 8.78% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.06% | 63.36% | 62.96% | 66.13% | 65.72% | 62.09% | 60.24% | 58.93% | -720 bps | |
| Liquid Assets / Assets | 18.65% | 18.92% | 19.35% | 16.54% | 16.65% | 19.49% | 20.76% | 22.04% | +551 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |