Las Vegas, NV · Cert 33897
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.13% | 0.33% | 0.49% | 0.62% | 1.36% | 1.46% | 1.64% | +115 bps | |
| Return on Equity | 2.37% | 1.19% | 2.91% | 4.29% | 5.35% | 11.18% | 12.12% | 13.81% | +953 bps | |
| Net Interest Margin | 3.73% | 3.86% | 3.86% | 3.78% | 3.73% | 3.62% | 3.66% | 3.72% | -6 bps | |
| Efficiency Ratio | 64.07% | 55.30% | 55.22% | 53.75% | 53.30% | 53.07% | 50.10% | 50.96% | -280 bps | |
| Non-Interest Burden | 2.48% | 2.12% | 2.07% | 1.96% | 1.89% | 1.80% | 1.64% | 1.71% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 4.05% | 2.73% | 2.28% | 5.26% | 13.37% | 13.66% | 12.69% | +1,041 bps | |
| Loan Growth (YoY) | -2.87% | 2.86% | 7.94% | 11.29% | 17.44% | 19.50% | 20.69% | 15.83% | +454 bps | |
| Deposit Growth (YoY) | -0.46% | 1.88% | -0.75% | -2.35% | 8.07% | 7.04% | 7.78% | 8.51% | +1,087 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 | 2.27% | 2.48% | 2.27% | 1.97% | 1.75% | 0.52% | 0.32% | 0.10% | -187 bps | |
| Allowance / Loans | 3.28% | 3.25% | 3.02% | 2.88% | 2.67% | 2.42% | 2.31% | 2.14% | -75 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.20% | 13.57% | 13.52% | 13.82% | 14.65% | 14.41% | 14.11% | 14.42% | +60 bps | |
| Equity / Assets | 11.15% | 11.22% | 11.28% | 11.62% | 12.48% | 11.83% | 11.84% | 11.37% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.20% | 79.08% | 82.36% | 85.57% | 84.98% | 88.29% | 92.23% | 91.34% | +577 bps | |
| Liquid Assets / Assets | 5.92% | 6.82% | 6.23% | 6.50% | 6.19% | 8.24% | 5.68% | 5.90% | -59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |