Las Vegas, NV · Cert 57276
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Las Vegas, NV · Cert 57276
FDIC
Q4 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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.27% | 0.33% | 0.05% | -0.29% | -0.35% | +92 bps | |
| Return on Equity | -59.84% | 14.03% | 1.91% | -12.10% | -14.45% | +4,539 bps | |
| Net Interest Margin | 3.54% | 3.16% | 3.44% | 3.52% | 3.79% | +25 bps | |
| Efficiency Ratio | 129.62% | 93.19% | 98.99% | 106.80% | 108.06% | -2,156 bps | |
| Non-Interest Burden | 4.58% | 2.83% | 3.40% | 3.82% | 4.16% | -42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.05% | -19.97% | -18.50% | -18.25% | -18.12% | -7 bps | |
| Loan Growth (YoY) | -21.07% | -21.04% | -19.67% | -17.83% | -20.72% | +36 bps | |
| Deposit Growth (YoY) | -16.11% | -18.65% | -17.77% | -17.96% | -17.78% | -167 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.91% | 1.67% | 1.53% | 1.05% | 0.39% | -352 bps | |
| Allowance / Loans | 3.39% | 3.19% | 3.04% | 3.21% | 3.88% | +49 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 4.11% | 4.43% | 4.56% | 4.33% | 4.42% | +31 bps | |
| Equity / Assets | 2.25% | 2.46% | 2.53% | 2.40% | 2.37% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.10% | 74.51% | 74.38% | 75.74% | 72.41% | -268 bps | |
| Liquid Assets / Assets | 16.98% | 19.61% | 20.91% | 19.32% | 22.58% | +559 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |