Wickenburg, AZ · Cert 22644
FDIC · 8 branches
Q1 2015
Market Position · Phoenix-Mesa-Scottsdale, AZ · 2014 SOD (annual) · 0.8% share · #12 of 58 inst. · $0.6B of $72.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.91% | 1.88% | 1.24% | 1.95% | 1.31% | 1.34% | 1.43% | +19 bps | |
| Return on Equity | 5.59% | 11.80% | 12.32% | 8.74% | 14.58% | 10.10% | 10.05% | 10.54% | +180 bps | |
| Net Interest Margin | 5.43% | 5.65% | 5.80% | 5.57% | 5.57% | 5.61% | 5.87% | 5.42% | -15 bps | |
| Efficiency Ratio | 89.31% | 85.97% | 79.31% | 81.85% | 80.60% | 80.05% | 81.80% | 80.72% | -114 bps | |
| Non-Interest Burden | 4.78% | 4.76% | 4.42% | 4.41% | 4.33% | 4.35% | 4.68% | 4.22% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.68% | -3.91% | -1.18% | 6.99% | 3.68% | -1.12% | 5.30% | 0.76% | -623 bps | |
| Loan Growth (YoY) | 22.67% | 22.72% | 26.35% | 20.01% | 3.67% | 2.02% | 9.70% | 4.87% | -1,514 bps | |
| Deposit Growth (YoY) | -29.65% | -9.08% | 2.14% | 12.67% | 16.34% | 12.70% | 7.47% | 1.30% | -1,137 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% | -1.73% | -0.64% | -0.28% | -0.45% | -0.16% | -0.33% | -0.87% | -59 bps | |
| Allowance / Loans | 1.23% | 1.23% | 1.24% | 1.32% | 1.17% | 1.15% | 1.10% | 1.19% | -14 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 | n/a | n/a | 13.65% | n/a | n/a |
| Total Risk-Based Capital | 19.62% | 19.54% | 16.85% | 17.92% | 15.61% | 15.63% | 15.14% | 17.18% | -74 bps | |
| Equity / Assets | 16.23% | 16.18% | 14.37% | 14.08% | 12.68% | 13.30% | 13.39% | 13.81% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.41% | 103.63% | 98.38% | 88.84% | 88.58% | 93.81% | 100.42% | 91.97% | +313 bps | |
| Liquid Assets / Assets | 0.05% | 0.08% | 0.59% | 9.25% | 3.74% | 1.33% | 0.36% | 3.48% | -577 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |