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Bankwest of Nevada

Las Vegas, NV · Cert 33897

FDIC

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bankwest of Nevada

Las Vegas, NV · Cert 33897

FDIC

Q3 2013

$3.3BAssets
$2.4BLoans
$2.6BDeposits
$373.7MEquity
Loan mix
76%RE $942.1M24%C&I $295.8M0%Consumer $3.8MQ3 2012Q3 2013
Deposit mix
69%Interest-bearing $1.8B31%Noninterest $0.8BQ3 2012Q3 2013

NIM

4.15%Q3 ’114.01%Q3 ’123.95%Q3 ’13+2%-2%

Non-interest income vs. expense

2.53%Q3 ’112.31%Q3 ’122.19%Q3 ’13-22%-13%

Executive Summary

  • Earnings: ROA of 1.64%, up 115 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 91.34% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

1.64%+115 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-6 bps YoY

Efficiency Ratio (YTD, annualized)

50.96%-280 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.49%0.62%1.36%1.46%1.64%+115 bps
Return on Equity4.29%5.35%11.18%12.12%13.81%+953 bps
Net Interest Margin3.78%3.73%3.62%3.66%3.72%-6 bps
Efficiency Ratio53.75%53.30%53.07%50.10%50.96%-280 bps
Non-Interest Burden1.96%1.89%1.80%1.64%1.71%-25 bps
Growth
Asset Growth (YoY)2.28%5.26%13.37%13.66%12.69%+1,041 bps
Loan Growth (YoY)11.29%17.44%19.50%20.69%15.83%+454 bps
Deposit Growth (YoY)-2.35%8.07%7.04%7.78%8.51%+1,087 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.97%1.75%0.52%0.32%0.10%-187 bps
Allowance / Loans2.88%2.67%2.42%2.31%2.14%-75 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.82%14.65%14.41%14.11%14.42%+60 bps
Equity / Assets11.62%12.48%11.83%11.84%11.37%-26 bps
Liquidity & Funding
Loans / Deposits85.57%84.98%88.29%92.23%91.34%+577 bps
Liquid Assets / Assets6.50%6.19%8.24%5.68%5.90%-59 bps
CRE / Total Capitaln/an/an/an/an/an/an/a