Scottsdale, AZ · Cert 34527
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.95% | -2.25% | -3.01% | -2.36% | -2.79% | -2.92% | -3.56% | -0.65% | +171 bps | |
| Return on Equity | -133.03% | -96.32% | -130.11% | -112.50% | -131.50% | -138.01% | -167.03% | -29.99% | +8,251 bps | |
| Net Interest Margin | 3.13% | 3.23% | 4.24% | 3.25% | 3.11% | 3.30% | 3.54% | 3.19% | -6 bps | |
| Efficiency Ratio | 185.40% | 140.07% | 161.90% | 181.03% | 179.36% | 193.20% | 240% | 191.97% | +1,094 bps | |
| Non-Interest Burden | 5.44% | 4.70% | 6.88% | 5.65% | 5.56% | 6.14% | 7.30% | 6.40% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.75% | -35.87% | -44.47% | -38.44% | -38.22% | -20.54% | -22.55% | -27.59% | +1,084 bps | |
| Loan Growth (YoY) | -21.34% | -39.17% | -37.35% | -34.71% | -34.58% | -21.89% | -24.55% | -24.80% | +990 bps | |
| Deposit Growth (YoY) | -23.57% | -35.15% | -44.39% | -38.22% | -38.15% | -19.85% | -22.50% | -27.68% | +1,054 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 | 2.91% | 4.23% | 4.06% | 0.58% | 1.82% | 1.52% | 1.71% | 0.03% | -55 bps | |
| Allowance / Loans | 4.57% | 5.04% | 5.44% | 5.55% | 5.21% | 5.56% | 5.76% | 5.20% | -35 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 | 4.09% | 4.88% | 3.95% | 3.93% | 4.00% | 4.02% | 4.11% | 4.18% | +25 bps | |
| Equity / Assets | 2.17% | 2.85% | 2.20% | 2.00% | 2.19% | 2.09% | 2.20% | 2.13% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.06% | 78.95% | 80.85% | 74.22% | 79.40% | 76.94% | 78.72% | 77.17% | +295 bps | |
| Liquid Assets / Assets | 16.66% | 11.47% | 9.39% | 16.29% | 10.08% | 12.08% | 8.89% | 21.40% | +511 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |