PackageTrendsPeer
Letter portraitLegal landscape

National Bank of Arizona

Tucson, AZ · Cert 20626

FDIC · 66 branches

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

National Bank of Arizona

Tucson, AZ · Cert 20626

FDIC · 66 branches

Q3 2015

$5.0BAssets
$3.8BLoans
$4.4BDeposits
$594.9MEquity
Loan mix
72%RE $2.0B27%C&I $0.8B1%Consumer $0.0BQ3 2014Q3 2015
Deposit mix
59%Interest-bearing $2.6B41%Noninterest $1.8BQ3 2014Q3 2015

NIM

3.69%Q3 ’133.58%Q3 ’143.34%Q3 ’15-3%-6%

Non-interest income vs. expense

3.01%Q3 ’133.06%Q3 ’142.92%Q3 ’15+4%-9%

Market Position · Phoenix-Mesa-Scottsdale, AZ · 2015 SOD (annual) · 2.1% share · #7 of 58 inst. · $1.6B of $78.7B

2.1% Maricopa
4.5% Pima
14.3% Yavapai
17.5% Yuma

Executive Summary

  • Earnings: ROA of 0.77%, down 18 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.85%.
  • Funding: loans stand at 87.54% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.77%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.25%-22 bps YoY

Efficiency Ratio (YTD, annualized)

72.87%-37 bps YoY

Tier 1 Leverage Ratio

11.85%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.95%0.99%0.54%0.58%0.77%-18 bps
Return on Equity8.10%8.39%4.58%4.93%6.54%-156 bps
Net Interest Margin3.48%3.46%3.29%3.29%3.25%-22 bps
Efficiency Ratio73.24%72.16%76.86%73.99%72.87%-37 bps
Non-Interest Burden2.41%2.35%2.40%2.28%2.21%-21 bps
Growth
Asset Growth (YoY)1.75%4.12%3.12%5.30%6.41%+466 bps
Loan Growth (YoY)2.85%0.74%3.26%3.99%2.65%-20 bps
Deposit Growth (YoY)2.48%5.13%4.10%6.73%6.42%+394 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.01%-0.01%0.15%0.09%+5 bps
Allowance / Loans1.23%1.07%1.08%1.07%1.01%-22 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a11.85%11.74%11.85%n/a
Total Risk-Based Capital15.20%15.22%15.02%14.92%15.07%-13 bps
Equity / Assets11.85%11.85%11.69%11.65%11.85%0 bps
Liquidity & Funding
Loans / Deposits90.75%90.86%89.05%87.85%87.54%-321 bps
Liquid Assets / Assets8.32%8.22%9.26%8.84%8.36%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a