Phoenix, AZ · Cert 34707
FDIC
Q2 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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.79% | -1.62% | -1.65% | -0.49% | -0.28% | +152 bps | |
| Return on Equity | -85.10% | -77.12% | -77.79% | -21.84% | -12.03% | +7,307 bps | |
| Net Interest Margin | 4.04% | 4.22% | 4.52% | 3.96% | 4.17% | +12 bps | |
| Efficiency Ratio | 149.13% | 146.82% | 136.13% | 102.55% | 101.83% | -4,730 bps | |
| Non-Interest Burden | 5.64% | 5.79% | 5.91% | 4.07% | 4.25% | -139 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -27.71% | -27.07% | -29.06% | -27.54% | -21.65% | +606 bps | |
| Loan Growth (YoY) | -22.61% | -22.80% | -25.04% | -22.17% | -23.40% | -79 bps | |
| Deposit Growth (YoY) | -23.82% | -23.44% | -25.34% | -25.94% | -21.64% | +218 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.25% | 4.03% | 3.59% | 1.82% | 0.79% | -446 bps | |
| Allowance / Loans | 3.01% | 3.05% | 2.86% | 2.67% | 3.01% | -1 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 3.84% | 3.82% | 3.88% | 4.06% | 4.31% | +47 bps | |
| Equity / Assets | 2.14% | 2.09% | 2.18% | 2.34% | 2.37% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.13% | 81.91% | 85.04% | 84.78% | 79.31% | -182 bps | |
| Liquid Assets / Assets | 12.99% | 13.79% | 12.59% | 13.49% | 19.32% | +633 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |