PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Security Bank of Nevada

Mesquite, NV · Cert 32987

FDIC

Q1 2001

$309.9MAssets
$4KLoans
$33.9MDeposits
$257.1MEquity
Deposit mix
89%Interest-bearing $30.2M11%Noninterest $3.7MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 9.71%, up 915 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 200.00%.
  • Funding: loans stand at 0.01% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

9.71%+915 bps YoY

Net Interest Margin (YTD, annualized)

3.01%
n/a

Efficiency Ratio (YTD, annualized)

8.23%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.11%1.03%0.92%0.56%0.58%-0.55%-0.42%9.71%+915 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.01%n/an/a
Efficiency Ration/an/an/an/an/an/an/a8.23%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a-32.41%n/an/a
Growth
Asset Growth (YoY)38.12%40.58%31.64%41.65%0.16%1.54%-46.85%-80.49%-12,214 bps
Loan Growth (YoY)60.55%55.47%46.92%37.21%-13.24%-16.89%-75.88%-100.00%-13,721 bps
Deposit Growth (YoY)36.10%35.08%28.50%36.07%-1.58%-0.41%-55.05%-97.31%-13,338 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a-200%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a0.00%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a165.94%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a82.95%n/an/a
Liquidity & Funding
Loans / Deposits50.48%50.41%49.70%44.56%44.50%42.06%26.67%0.01%-4,455 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.33%+33 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a