Yuma, AZ · Cert 34573
FDIC · 4 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Yuma, AZ · Cert 34573
FDIC · 4 branches
Q1 2017
Market Position · Yuma, AZ · 2016 SOD (annual) · 12.3% share · #5 of 8 inst. · $0.2B of $1.8B
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.11% | 1.06% | 1.19% | 1.08% | 1.27% | 1.20% | 1.20% | 0 bps | |
| Return on Equity | 9.06% | 8.95% | 8.53% | 9.28% | 8.42% | 9.84% | 9.40% | 10.02% | +74 bps | |
| Net Interest Margin | 4.27% | 4.36% | 4.31% | 4.14% | 4.12% | 4.09% | 4.19% | 4.23% | +9 bps | |
| Efficiency Ratio | 71.95% | 71.46% | 69.46% | 62.76% | 63.58% | 63.17% | 62.70% | 57.30% | -547 bps | |
| Non-Interest Burden | 2.98% | 3.04% | 2.90% | 2.40% | 2.45% | 2.42% | 2.47% | 2.25% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | 0.38% | 1.50% | 3.28% | 8.15% | 7.56% | 10.66% | 17.12% | +1,384 bps | |
| Loan Growth (YoY) | 8.43% | 10.28% | 8.27% | 7.80% | 19.03% | 16.74% | 24.02% | 35.98% | +2,818 bps | |
| Deposit Growth (YoY) | -1.61% | 2.28% | 0.56% | 4.27% | 7.51% | 6.45% | 8.34% | 10.61% | +633 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.93% | +93 bps | |
| Net Charge-Offs / Loans | -0.65% | -0.34% | -0.22% | -0.09% | -0.07% | -0.18% | -0.13% | -0.11% | -2 bps | |
| Allowance / Loans | 1.51% | 1.27% | 1.30% | 1.31% | 1.21% | 1.21% | 1.18% | 1.13% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.2x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.75% | 11.19% | 11.40% | 11.44% | 11.43% | 11.54% | 11.43% | 10.94% | -50 bps | |
| Total Risk-Based Capital | 13.98% | 14.28% | 14.47% | 14.16% | 13.57% | 14.00% | 13.14% | 12.30% | -186 bps | |
| Equity / Assets | 12.44% | 12.91% | 12.75% | 12.99% | 12.75% | 13.22% | 12.21% | 11.71% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.66% | 88.44% | 86.19% | 84.72% | 92.62% | 96.99% | 98.66% | 104.15% | +1,943 bps | |
| Liquid Assets / Assets | 3.53% | 3.04% | 4.32% | 6.80% | 2.68% | 2.34% | 2.47% | 2.66% | -413 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |