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Community Bank of Arizona

Wickenburg, AZ · Cert 22644

FDIC · 8 branches

Q1 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: Q1 2015, the quarter ended March 31, 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

Community Bank of Arizona

Wickenburg, AZ · Cert 22644

FDIC · 8 branches

Q1 2015

$744.7MAssets
$536.8MLoans
$583.7MDeposits
$102.9MEquity
Loan mix
51%RE $233.0M48%C&I $220.0M0%Consumer $0.8MQ1 2014Q1 2015
Deposit mix
84%Interest-bearing $488.1M16%Noninterest $95.5MQ1 2014Q1 2015

NIM

5.76%Q1 ’136.33%Q1 ’146.10%Q1 ’15+12%-3%

Non-interest income vs. expense

5.46%Q1 ’135.24%Q1 ’145.02%Q1 ’15-9%-4%

Market Position · Phoenix-Mesa-Scottsdale, AZ · 2014 SOD (annual) · 0.8% share · #12 of 58 inst. · $0.6B of $72.0B

Executive Summary

  • Earnings: ROA of 1.43%, up 19 bps year over year; NIM at 5.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.87%.
  • Capital: tier 1 leverage ratio of 13.65%.
  • Funding: loans stand at 91.97% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

1.43%+19 bps YoY

Net Interest Margin (YTD, annualized)

5.42%-15 bps YoY

Efficiency Ratio (YTD, annualized)

80.72%-114 bps YoY

Tier 1 Leverage Ratio

13.65%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets1.24%1.61%1.51%1.47%1.43%+19 bps
Return on Equity8.74%11.74%11.13%10.82%10.54%+180 bps
Net Interest Margin5.57%5.48%5.60%5.68%5.42%-15 bps
Efficiency Ratio81.85%81.22%80.83%81.08%80.72%-114 bps
Non-Interest Burden4.41%4.30%4.37%4.46%4.22%-18 bps
Growth
Asset Growth (YoY)6.99%3.68%-1.12%5.30%0.76%-623 bps
Loan Growth (YoY)20.01%3.67%2.02%9.70%4.87%-1,514 bps
Deposit Growth (YoY)12.67%16.34%12.70%7.47%1.30%-1,137 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.28%-0.36%-0.28%-0.28%-0.87%-59 bps
Allowance / Loans1.32%1.17%1.15%1.10%1.19%-14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a13.65%n/an/a
Total Risk-Based Capital17.92%15.61%15.63%15.14%17.18%-74 bps
Equity / Assets14.08%12.68%13.30%13.39%13.81%-27 bps
Liquidity & Funding
Loans / Deposits88.84%88.58%93.81%100.42%91.97%+313 bps
Liquid Assets / Assets9.25%3.74%1.33%0.36%3.48%-577 bps
CRE / Total Capitaln/an/an/an/an/an/an/a