Phoenix, AZ · Cert 34707
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.27% | -1.24% | -1.73% | -0.49% | -0.05% | +222 bps | |
| Return on Equity | -107.87% | -58.52% | -81.27% | -21.84% | -2.25% | +10,562 bps | |
| Net Interest Margin | 3.97% | 3.86% | 4.38% | 3.96% | 4.19% | +21 bps | |
| Efficiency Ratio | 191.13% | 141.35% | 110.17% | 102.55% | 101.14% | -8,998 bps | |
| Non-Interest Burden | 6.25% | 5.10% | 4.83% | 4.07% | 4.24% | -202 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 | 3.56% | 0.79% | 1.49% | 1.82% | -0.39% | -395 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 |