Tucson, AZ · Cert 20626
FDIC · 66 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tucson, AZ · Cert 20626
FDIC · 66 branches
Q3 2015
Market Position · Phoenix-Mesa-Scottsdale, AZ · 2015 SOD (annual) · 2.1% share · #7 of 58 inst. · $1.6B of $78.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.78% | 0.86% | 0.95% | 0.99% | 0.54% | 0.58% | 0.77% | -18 bps | |
| Return on Equity | 7.76% | 6.69% | 7.39% | 8.10% | 8.39% | 4.58% | 4.93% | 6.54% | -156 bps | |
| Net Interest Margin | 3.58% | 3.55% | 3.49% | 3.48% | 3.46% | 3.29% | 3.29% | 3.25% | -22 bps | |
| Efficiency Ratio | 70.76% | 75.73% | 77.48% | 73.24% | 72.16% | 76.86% | 73.99% | 72.87% | -37 bps | |
| Non-Interest Burden | 2.38% | 2.57% | 2.59% | 2.41% | 2.35% | 2.40% | 2.28% | 2.21% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | 1.79% | 1.84% | 1.75% | 4.12% | 3.12% | 5.30% | 6.41% | +466 bps | |
| Loan Growth (YoY) | 2.71% | 2.27% | 1.15% | 2.85% | 0.74% | 3.26% | 3.99% | 2.65% | -20 bps | |
| Deposit Growth (YoY) | 1.47% | 2.81% | 2.99% | 2.48% | 5.13% | 4.10% | 6.73% | 6.42% | +394 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.08% | 0.06% | 0.04% | 0.01% | -0.01% | 0.15% | 0.09% | +5 bps | |
| Allowance / Loans | 1.67% | 1.59% | 1.37% | 1.23% | 1.07% | 1.08% | 1.07% | 1.01% | -22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 11.85% | 11.74% | 11.85% | n/a | |
| Total Risk-Based Capital | 14.59% | 15.18% | 15.52% | 15.20% | 15.22% | 15.02% | 14.92% | 15.07% | -13 bps | |
| Equity / Assets | 11.75% | 11.53% | 11.81% | 11.85% | 11.85% | 11.69% | 11.65% | 11.85% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.83% | 89.78% | 90.16% | 90.75% | 90.86% | 89.05% | 87.85% | 87.54% | -321 bps | |
| Liquid Assets / Assets | 4.90% | 9.54% | 9.52% | 8.32% | 8.22% | 9.26% | 8.84% | 8.36% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |