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Service1st Bank of Nevada

Las Vegas, NV · Cert 58473

FDIC

Q3 2012

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: Q3 2012, the quarter ended September 30, 2012, 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

Service1st Bank of Nevada

Las Vegas, NV · Cert 58473

FDIC

Q3 2012

$163.8MAssets
$90.1MLoans
$134.2MDeposits
$28.7MEquity
Loan mix
54%RE $34.3M46%C&I $28.8M0%Consumer $0.0MQ3 2011Q3 2012
Deposit mix
44%Interest-bearing $59.4M56%Noninterest $74.8MQ3 2011Q3 2012

NIM

3.75%Q3 ’105.24%Q3 ’113.59%Q3 ’12+62%-33%

Non-interest income vs. expense

4.31%Q3 ’107.78%Q3 ’114.36%Q3 ’12+85%-49%

Executive Summary

  • Earnings: ROA of -0.89%, up 683 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.65%.
  • Funding: loans stand at 67.10% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.89%+683 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-164 bps YoY

Efficiency Ratio (YTD, annualized)

109.42%+3,734 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-7.72%-6.49%0.13%-0.62%-0.89%+683 bps
Return on Equity-37.58%-33.27%0.83%-3.78%-5.36%+3,222 bps
Net Interest Margin4.99%4.43%3.44%3.16%3.35%-164 bps
Efficiency Ratio72.08%78.37%95.11%106.46%109.42%+3,734 bps
Non-Interest Burden7.45%6.23%3.31%3.43%3.78%-367 bps
Growth
Asset Growth (YoY)6.49%-5.44%1.87%1.28%-20.35%-2,684 bps
Loan Growth (YoY)-15.72%-4.14%-17.52%-15.22%-11.52%+420 bps
Deposit Growth (YoY)1.06%1.13%12.82%9.35%-22.73%-2,379 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.84%5.73%1.10%1.38%0.65%-520 bps
Allowance / Loans2.95%2.87%3.19%3.07%3.48%+53 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 Capital29.63%29.66%36.88%35.98%34.34%+471 bps
Equity / Assets15.23%15.43%16.69%16.86%17.55%+232 bps
Liquidity & Funding
Loans / Deposits58.59%62.34%56.49%59.65%67.10%+851 bps
Liquid Assets / Assets45.70%41.26%48.01%45.17%41.31%-439 bps
CRE / Total Capitaln/an/an/an/an/an/an/a