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Southern Arizona Community Bank

Tucson, AZ · Cert 34708

FDIC

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Southern Arizona Community Bank

Tucson, AZ · Cert 34708

FDIC

Q1 2013

$319.1MAssets
$147.3MLoans
$266.7MDeposits
$51.3MEquity
Loan mix
68%RE $74.2M30%C&I $32.2M2%Consumer $2.2MQ1 2012Q1 2013
Deposit mix
59%Interest-bearing $158.4M41%Noninterest $108.3MQ1 2012Q1 2013

NIM

6.35%Q1 ’114.63%Q1 ’124.15%Q1 ’13-27%-9%

Non-interest income vs. expense

3.17%Q1 ’113.35%Q1 ’122.56%Q1 ’13+4%-24%

Executive Summary

  • Earnings: ROA of 0.99%, up 68 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.10%.
  • Funding: loans stand at 55.22% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

0.99%+68 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-38 bps YoY

Efficiency Ratio (YTD, annualized)

57.04%-1,174 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.31%0.76%0.99%1.00%0.99%+68 bps
Return on Equity2.05%4.88%6.35%6.39%6.22%+417 bps
Net Interest Margin4.41%4.55%4.29%4.26%4.03%-38 bps
Efficiency Ratio68.77%69.39%64.79%64.99%57.04%-1,174 bps
Non-Interest Burden3.05%3.19%2.81%2.80%2.30%-75 bps
Growth
Asset Growth (YoY)-1.55%0.34%2.75%5.92%3.34%+489 bps
Loan Growth (YoY)-9.95%-11.63%-11.09%-5.42%2.09%+1,205 bps
Deposit Growth (YoY)-4.83%-3.39%1.88%5.12%2.97%+780 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.91%0.31%0.19%0.16%-0.10%-100 bps
Allowance / Loans0.98%0.84%0.88%0.91%0.93%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.02%14.44%15.31%15.63%18.08%+406 bps
Equity / Assets15.21%15.96%15.91%15.79%16.07%+85 bps
Liquidity & Funding
Loans / Deposits55.69%56.79%53.84%53.92%55.22%-47 bps
Liquid Assets / Assets20.40%10.00%9.79%10.01%10.10%-1,031 bps
CRE / Total Capitaln/an/an/an/an/an/an/a