Reno, NV · Cert 34072
FDIC · 8 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Reno, NV · Cert 34072
FDIC · 8 branches
Q2 2019
Market Position · Reno, NV · 2019 SOD (annual) · 5.8% share · #6 of 16 inst. · $0.6B of $9.9B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.58% | 2.09% | 2.21% | 2.30% | 2.31% | 2.36% | 2.62% | +41 bps | |
| Return on Equity | 15.56% | 14.39% | 19.29% | 19.98% | 20.33% | 19.96% | 18.41% | 20.16% | +19 bps | |
| Net Interest Margin | 3.84% | 3.78% | 3.87% | 3.98% | 4.11% | 4.06% | 4.30% | 4.31% | +32 bps | |
| Efficiency Ratio | 39.86% | 39.22% | 39.76% | 38.07% | 38.01% | 37.35% | 35.44% | 35.37% | -270 bps | |
| Non-Interest Burden | 1.33% | 1.28% | 1.35% | 1.31% | 1.37% | 1.33% | 1.37% | 1.33% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.65% | 11.35% | 9.24% | 7.10% | 1.56% | 0.79% | 1.16% | 3.48% | -362 bps | |
| Loan Growth (YoY) | 7.73% | 5.72% | 3.98% | 2.16% | 5.02% | 9.54% | 7.25% | 9.64% | +748 bps | |
| Deposit Growth (YoY) | 16.55% | 11.71% | 9.53% | 6.62% | 0.22% | -1.30% | -1.34% | 1.43% | -519 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.54% | 0.52% | 0.20% | 0.19% | 0.18% | 0.18% | 0.17% | -3 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | -0.11% | -0.06% | -0.05% | -0.04% | 0.00% | -0.01% | +5 bps | |
| Allowance / Loans | 1.57% | 1.47% | 1.48% | 1.41% | 1.27% | 1.26% | 1.27% | 1.23% | -18 bps | |
| Allowance Coverage of NPLs | 3.6x | 2.7x | 2.8x | 7.0x | 6.6x | 6.9x | 7.1x | 7.3x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 10.92% | 11.36% | 11.76% | 12.40% | 12.54% | 13.15% | 13.39% | +163 bps | |
| Total Risk-Based Capital | 15.32% | 15.38% | 15.59% | 16.01% | 16.21% | 16.64% | 17.48% | 17.22% | +121 bps | |
| Equity / Assets | 10.88% | 10.73% | 10.91% | 11.58% | 12.02% | 12.55% | 13.05% | 13.35% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.76% | 74.49% | 74.84% | 78.13% | 80.44% | 82.67% | 81.36% | 84.46% | +633 bps | |
| Liquid Assets / Assets | 12.68% | 14.99% | 15.14% | 12.08% | 10.77% | 10.66% | 12.80% | 10.14% | -194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |