PackageTrendsPeer
Letter portraitLegal landscape

Bank of Tucson

Tucson, AZ · Cert 34189

FDIC

Q4 2010

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: Q4 2010, the quarter ended December 31, 2010, 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

Bank of Tucson

Tucson, AZ · Cert 34189

FDIC

Q4 2010

$224.4MAssets
$159.3MLoans
$208.2MDeposits
$15.6MEquity
Loan mix
63%RE $78.9M36%C&I $44.9M2%Consumer $2.5MQ4 2009Q4 2010
Deposit mix
67%Interest-bearing $139.3M33%Noninterest $68.8MQ4 2009Q4 2010

NIM

6.94%Q4 ’086.03%Q4 ’095.21%Q4 ’10-10%-10%

Non-interest income vs. expense

2.86%Q4 ’082.76%Q4 ’092.77%Q4 ’10+2%+6%

Executive Summary

  • Earnings: ROA of 0.72%, down 14 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.02%.
  • Funding: loans stand at 76.54% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

0.72%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.74%-51 bps YoY

Efficiency Ratio (YTD, annualized)

56.77%+689 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.86%1.22%1.02%0.85%0.72%-14 bps
Return on Equity9.59%13.11%11.15%9.85%8.71%-88 bps
Net Interest Margin5.25%5.16%5.04%4.59%4.74%-51 bps
Efficiency Ratio49.88%53.44%52.88%55.33%56.77%+689 bps
Non-Interest Burden2.48%2.65%2.60%2.45%2.63%+15 bps
Growth
Asset Growth (YoY)8.01%6.34%11.70%3.83%9.42%+141 bps
Loan Growth (YoY)0.15%1.28%1.05%-4.01%-5.52%-567 bps
Deposit Growth (YoY)3.95%5.81%11.71%6.02%20.69%+1,675 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.37%0.23%0.63%0.89%1.02%-34 bps
Allowance / Loans1.13%1.28%1.46%1.58%1.49%+36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.80%12.74%13.56%11.15%10.56%-124 bps
Equity / Assets9.26%9.37%8.77%7.15%6.93%-233 bps
Liquidity & Funding
Loans / Deposits97.78%87.21%74.38%74.21%76.54%-2,124 bps
Liquid Assets / Assets9.13%14.67%24.45%24.06%22.52%+1,339 bps
CRE / Total Capitaln/an/an/an/an/an/an/a