PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Capital Bank of Arizona

Phoenix, AZ · Cert 34218

FDIC

Q2 2001

$123.4MAssets
$88.1MLoans
$103.2MDeposits
$16.2MEquity
Loan mix
21%RE $3.8M79%C&I $14.5M0%Consumer $0.1MQ2 2000Q2 2001
Deposit mix
90%Interest-bearing $93.3M10%Noninterest $9.9MQ2 2000Q2 2001

NIM

8.09%Q1 ’017.67%Q2 ’01-1%

Non-interest income vs. expense

2.24%Q1 ’011.95%Q2 ’01-47%

Executive Summary

  • Earnings: ROA of 1.14%, down 29 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 85.41% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

1.14%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.60%

Efficiency Ratio (YTD, annualized)

43.26%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.43%1.43%1.23%0.12%1.14%-29 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.64%3.60%n/a
Efficiency Ration/an/an/a57.13%43.26%n/a
Non-Interest Burdenn/an/an/a1.96%1.04%n/a
Growth
Asset Growth (YoY)15.85%22.09%23.41%32.90%30.48%+1,462 bps
Loan Growth (YoY)29.60%22.97%16.37%22.47%26.66%-294 bps
Deposit Growth (YoY)14.43%19.40%22.39%28.35%25.19%+1,076 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.02%0.01%n/a
Allowance / Loansn/an/an/a1.68%1.59%n/a
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 Capitaln/an/an/a20.30%19.88%n/a
Equity / Assetsn/an/an/a13.03%13.13%n/a
Liquidity & Funding
Loans / Deposits84.42%80.21%79.10%79.44%85.41%+100 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a