Las Vegas, NV · Cert 34351
FDIC · 1 branch
Q1 2024
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2023 SOD (annual) · 0.2% share · #27 of 41 inst. · $0.2B of $97.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 39.29%1 | 13.04% | 16.29% | 13.57% | 13.67% | 12.90% | 13.58% | 11.18% | -239 bps | |
| Return on Equity | 132.24% | 44.67% | 60.69% | 47.13% | 43.90% | 41.38% | 45.90% | 37.89% | -925 bps | |
| Net Interest Margin | 0.98% | 1.84% | 2.79% | 2.88% | 3.07% | 3.32% | 3.51% | 3.40% | +52 bps | |
| Efficiency Ratio | 77.68% | 68.55% | 62.51% | 65.07% | 67.00% | 67.39% | 65.07% | 68.23% | +316 bps | |
| Non-Interest Burden | -12.81% | -15.99% | -19.46% | -15.13% | -15.35% | -14.82% | -16.20% | -13.39% | +173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.09% | 10.11% | 9.19% | 13.06% | -0.78% | 11.93% | 9.37% | 15.11% | +205 bps | |
| Loan Growth (YoY) | n/a | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -16.04% | -15.05% | -14.20% | -9.13% | -3.74% | 0.87% | 3.86% | 3.58% | +1,271 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 36.59% | 27.62% | 30.87% | 31.60% | 32.92% | 34.34% | 33.23% | 35.76% | +415 bps | |
| Total Risk-Based Capital | 85.62% | 111.13% | 85.95% | 110.36% | 104.54% | 92.24% | 82.37% | 94.68% | -1,568 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |