PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arizona Bank

Tucson, AZ · Cert 18775

FDIC

Q2 1999

$1.3BAssets
$658.3MLoans
$1.1BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.87%, down 18 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 61.51% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

0.87%-18 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets0.89%0.86%1.02%1.05%0.90%-0.35%1.07%0.87%-18 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)13.96%15.41%10.12%11.26%16.55%11.28%9.80%74.96%+6,369 bps
Loan Growth (YoY)15.97%16.31%10.80%8.27%7.07%-0.10%0.34%18.54%+1,027 bps
Deposit Growth (YoY)23.36%16.28%9.15%9.27%8.28%8.28%7.18%63.60%+5,434 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits85.95%87.29%82.24%84.89%84.99%80.54%76.98%61.51%-2,338 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a