Tucson, AZ · Charter 2458
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | -0.08% | -0.14% | -1.36% | 0.11% | 0.38% | 0.02% | -0.96% | +39 bps | |
| Return on Equity | 1.50% | -0.50% | -0.91% | -9.09% | 0.74% | 2.54% | 0.17% | -6.82% | +227 bps | |
| Net Interest Margin | 3.70% | 3.82% | 3.60% | 3.70% | 3.89% | 3.88% | 3.97% | 3.96% | +26 bps | |
| Efficiency Ratio | 89.43% | 95.14% | 92.89% | 98.94% | 88.88% | 88.11% | 97.67% | 105.16% | +622 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.03% | 6.66% | 3.93% | 0.71% | -3.44% | 0.54% | -3.17% | -2.32% | -303 bps | |
| Loan Growth (YoY) | 4.12% | 7.04% | 4.77% | 9.05% | 8.91% | 7.55% | 7.54% | -1.90% | -1,095 bps | |
| Share Growth (YoY) | 13.42% | 8.17% | 4.29% | 2.27% | -2.25% | 1.85% | -2.37% | -1.74% | -402 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.13% | 3.44% | 1.64% | 1.70% | 2.43% | 1.87% | 0.71% | -92 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 | 0.76% | 0.77% | 0.85% | 1.53% | 1.63% | 1.40% | 1.19% | 1.66% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.78% | 16.02% | 15.73% | 14.93% | 14.88% | 14.92% | 15.06% | 14.12% | -81 bps | |
| Net Worth / Assets | 15.78% | 16.02% | 15.73% | 14.93% | 14.88% | 14.92% | 15.06% | 14.12% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.66% | 61.28% | 59.41% | 63.19% | 64.23% | 64.71% | 65.45% | 63.09% | -10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |