Lake Havasu City, AZ · Cert 33508
FDIC · 10 branches
Q4 2019
Market Position · Lake Havasu City-Kingman, AZ · 2019 SOD (annual) · 11.8% share · #3 of 11 inst. · $0.4B of $3.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.40% | 1.50% | 1.46% | 1.15% | 1.39% | 1.46% | 0.86% | -60 bps | |
| Return on Equity | 11.88% | 13.48% | 14.30% | 13.66% | 10.57% | 12.45% | 12.69% | 7.35% | -632 bps | |
| Net Interest Margin | 3.62% | 3.77% | 3.95% | 3.83% | 3.76% | 3.66% | 3.68% | 3.73% | -10 bps | |
| Efficiency Ratio | 61.66% | 57.00% | 58.01% | 59.70% | 61.95% | 58.20% | 59.66% | 71.02% | +1,132 bps | |
| Non-Interest Burden | 1.93% | 1.81% | 2.01% | 1.94% | 2.07% | 1.83% | 1.84% | 2.33% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.81% | 6.34% | 1.73% | 5.59% | 6.82% | 5.75% | 5.28% | 3.41% | -218 bps | |
| Loan Growth (YoY) | 7.71% | 8.39% | 10.30% | 16.59% | 15.45% | 12.67% | 7.05% | 7.23% | -936 bps | |
| Deposit Growth (YoY) | 6.88% | 5.20% | -0.02% | 1.51% | 4.88% | 5.37% | 4.62% | 5.17% | +367 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.68% | 0.65% | 0.17% | 0.34% | 0.31% | 0.58% | 0.50% | 0.40% | +6 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.14% | 0.07% | 0.05% | -0.01% | -0.35% | 0.00% | 0.05% | +1 bps | |
| Allowance / Loans | 0.93% | 0.99% | 0.97% | 0.93% | 0.99% | 1.10% | 1.10% | 1.09% | +16 bps | |
| Allowance Coverage of NPLs | 0.6x | 1.5x | 5.7x | 2.7x | 3.2x | 1.9x | 2.2x | 2.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.91% | 9.99% | 10.23% | 10.42% | 10.39% | 10.40% | 10.65% | 10.81% | +39 bps | |
| Total Risk-Based Capital | 14.75% | 14.63% | 14.26% | 13.94% | 14.32% | 14.83% | 15.37% | 14.94% | +101 bps | |
| Equity / Assets | 10.38% | 10.40% | 10.57% | 10.87% | 10.93% | 11.36% | 11.70% | 11.81% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.70% | 65.32% | 68.71% | 73.42% | 71.22% | 69.85% | 70.31% | 74.85% | +143 bps | |
| Liquid Assets / Assets | 3.77% | 5.28% | 3.54% | 2.81% | 5.28% | 6.08% | 6.82% | 5.54% | +273 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |