Tucson, AZ · Charter 21890
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.86% | 0.22% | 0.55% | -0.14% | -0.97% | 0.70% | 0.31% | -1.96% | -182 bps | |
| Return on Equity | -31.92% | 3.49% | 8.26% | -2.36% | -18.71% | 11.97% | 5.26% | -53.60% | -5,124 bps | |
| Net Interest Margin | 4.97% | 5.02% | 5.13% | 5.13% | 5.00% | 4.96% | 5.09% | 5.13% | 0 bps | |
| Efficiency Ratio | 82.98% | 79.27% | 81.34% | 81.19% | 86.92% | 86.57% | 92.03% | 112.60% | +3,140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.62% | 17.41% | 15.28% | 7.16% | -0.17% | -2.09% | -3.57% | -3.69% | -1,086 bps | |
| Loan Growth (YoY) | 21.16% | -3.71% | -11.22% | -13.10% | -13.23% | -13.51% | -10.94% | -8.83% | +427 bps | |
| Share Growth (YoY) | 24.46% | 26.59% | 19.94% | 9.78% | 0.36% | -1.48% | -3.05% | -2.72% | -1,250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.42% | 3.20% | 5.08% | 2.80% | 1.83% | 1.50% | 2.19% | 2.22% | -58 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 | 1.81% | 1.20% | 0.87% | 1.37% | 3.15% | 1.89% | 1.64% | 2.56% | +119 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.83% | 6.31% | 6.65% | 6.13% | 5.19% | 5.80% | 5.81% | 3.66% | -248 bps | |
| Net Worth / Assets | 5.83% | 6.31% | 6.65% | 6.13% | 5.19% | 5.80% | 5.81% | 3.66% | -248 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.40% | 62.49% | 61.20% | 56.93% | 54.81% | 54.86% | 56.21% | 53.35% | -358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |