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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.57% | -1.87% | -1.34% | -2.27% | -1.24% | -1.73% | -0.49% | -0.05% | +222 bps | |
| Return on Equity | -285% | -88.61% | -64.18% | -107.87% | -58.52% | -81.27% | -21.84% | -2.25% | +10,562 bps | |
| Net Interest Margin | 3.53% | 3.67% | 3.77% | 3.97% | 3.86% | 4.38% | 3.96% | 4.19% | +21 bps | |
| Efficiency Ratio | 171.83% | 173.14% | 122.74% | 191.13% | 141.35% | 110.17% | 102.55% | 101.14% | -8,998 bps | |
| Non-Interest Burden | 5.42% | 5.53% | 4.60% | 6.25% | 5.10% | 4.83% | 4.07% | 4.24% | -202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.89% | -14.03% | -27.30% | -27.71% | -27.07% | -29.06% | -27.54% | -21.65% | +606 bps | |
| Loan Growth (YoY) | -13.83% | -9.94% | -24.11% | -22.61% | -22.80% | -25.04% | -22.17% | -23.40% | -79 bps | |
| Deposit Growth (YoY) | -16.44% | -13.86% | -24.28% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.76% | 5.11% | 6.48% | 3.56% | 0.79% | 1.49% | 1.82% | -0.39% | -395 bps | |
| Allowance / Loans | 5.77% | 4.68% | 3.64% | 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 | 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 | 3.92% | 3.85% | 3.84% | 3.84% | 3.82% | 3.88% | 4.06% | 4.31% | +47 bps | |
| Equity / Assets | 2.11% | 2.11% | 2.08% | 2.14% | 2.09% | 2.18% | 2.34% | 2.37% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.23% | 84.70% | 80.67% | 81.13% | 81.91% | 85.04% | 84.78% | 79.31% | -182 bps | |
| Liquid Assets / Assets | 16.48% | 14.14% | 14.48% | 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 | n/a | n/a | n/a |