Tombstone, AZ · Charter 11075
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Tombstone, AZ · Charter 11075
Q1 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | -0.46% | 0.12% | -2.69% | -0.49% | -0.39% | -1.50% | 0.39% | +309 bps | |
| Return on Equity | 5.06% | -14.45% | 3.79% | -94.75% | -13.72% | -11.06% | -61.64% | 15.50% | +11,025 bps | |
| Net Interest Margin | 6.33% | 6.19% | 5.23% | 3.99% | 4.85% | 4.93% | 5.04% | 4.55% | +56 bps | |
| Efficiency Ratio | 78.24% | 86.04% | 90.46% | 104.96% | 98.16% | 100.54% | 99.75% | 91.11% | -1,385 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.03% | -24.77% | -6.93% | -11.32% | -9.65% | -4.43% | -16.88% | -11.06% | +26 bps | |
| Loan Growth (YoY) | -25.44% | -28.76% | -26.45% | -22.98% | -9.42% | -3.64% | 2.53% | 0.95% | +2,393 bps | |
| Share Growth (YoY) | -17.85% | -20.30% | -2.54% | -11.36% | -10.14% | -7.43% | -21.97% | -11.33% | +3 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 1.47% | 3.51% | 2.58% | 4.41% | 4.56% | 6.33% | 3.54% | +96 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.64% | 1.93% | 1.40% | 1.75% | 1.14% | 0.75% | 1.60% | 1.47% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.42% | 3.18% | 3.26% | 2.84% | 3.59% | 3.54% | 2.43% | 2.54% | -30 bps | |
| Net Worth / Assets | 3.42% | 3.18% | 3.26% | 2.84% | 3.59% | 3.54% | 2.43% | 2.54% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.02% | 85.58% | 71.16% | 73.85% | 86.71% | 89.07% | 93.51% | 84.08% | +1,023 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |