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Bank of Las Vegas

Las Vegas, NV · Cert 57276

FDIC

Q4 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: 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.

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 2026-10-11

Bank of Las Vegas

Las Vegas, NV · Cert 57276

FDIC

Q4 2013

$213.5MAssets
$150.7MLoans
$208.1MDeposits
$5.1MEquity
Loan mix
93%RE $86.6M5%C&I $4.5M2%Consumer $1.9MQ4 2012Q4 2013
Deposit mix
80%Interest-bearing $166.5M20%Noninterest $41.6MQ4 2012Q4 2013

NIM

3.99%Q4 ’114.41%Q4 ’124.52%Q4 ’13+22%+7%

Non-interest income vs. expense

3.80%Q4 ’114.56%Q4 ’125.02%Q4 ’13+6%-9%

Executive Summary

  • Earnings: ROA of -0.35%, up 92 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.39%.
  • Funding: loans stand at 72.41% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.35%+92 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+25 bps YoY

Efficiency Ratio (YTD, annualized)

108.06%-2,156 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
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 Margin3.54%3.16%3.44%3.52%3.79%+25 bps
Efficiency Ratio129.62%93.19%98.99%106.80%108.06%-2,156 bps
Non-Interest Burden4.58%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.91%1.67%1.53%1.05%0.39%-352 bps
Allowance / Loans3.39%3.19%3.04%3.21%3.88%+49 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 Capital4.11%4.43%4.56%4.33%4.42%+31 bps
Equity / Assets2.25%2.46%2.53%2.40%2.37%+12 bps
Liquidity & Funding
Loans / Deposits75.10%74.51%74.38%75.74%72.41%-268 bps
Liquid Assets / Assets16.98%19.61%20.91%19.32%22.58%+559 bps
CRE / Total Capitaln/an/an/an/an/an/an/a