Tucson, AZ · Cert 34189
FDIC
Q4 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.08% | 0.98% | 0.86% | 1.22% | 1.02% | 0.85% | 0.72% | -14 bps | |
| Return on Equity | 14.99% | 12.26% | 11.03% | 9.59% | 13.11% | 11.15% | 9.85% | 8.71% | -88 bps | |
| Net Interest Margin | 5.53% | 5.19% | 4.88% | 5.25% | 5.16% | 5.04% | 4.59% | 4.74% | -51 bps | |
| Efficiency Ratio | 50.65% | 52.92% | 50.49% | 49.88% | 53.44% | 52.88% | 55.33% | 56.77% | +689 bps | |
| Non-Interest Burden | 2.70% | 2.61% | 2.31% | 2.48% | 2.65% | 2.60% | 2.45% | 2.63% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.91% | 14.09% | 17.16% | 8.01% | 6.34% | 11.70% | 3.83% | 9.42% | +141 bps | |
| Loan Growth (YoY) | 3.06% | -0.76% | -1.35% | 0.15% | 1.28% | 1.05% | -4.01% | -5.52% | -567 bps | |
| Deposit Growth (YoY) | 7.19% | 15.84% | 22.88% | 3.95% | 5.81% | 11.71% | 6.02% | 20.69% | +1,675 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 | 1.18% | 1.10% | 1.11% | 1.37% | 0.23% | 0.63% | 0.89% | 1.02% | -34 bps | |
| Allowance / Loans | 0.85% | 1.01% | 1.26% | 1.13% | 1.28% | 1.46% | 1.58% | 1.49% | +36 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.86% | 11.98% | 12.59% | 11.80% | 12.74% | 13.56% | 11.15% | 10.56% | -124 bps | |
| Equity / Assets | 8.85% | 8.63% | 9.05% | 9.26% | 9.37% | 8.77% | 7.15% | 6.93% | -233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.11% | 82.23% | 81.96% | 97.78% | 87.21% | 74.38% | 74.21% | 76.54% | -2,124 bps | |
| Liquid Assets / Assets | 10.71% | 18.84% | 19.27% | 9.13% | 14.67% | 24.45% | 24.06% | 22.52% | +1,339 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |