Tucson, AZ · Cert 34708
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.38% | -1.04% | 0.31% | 1.20% | 1.47% | 1.03% | 0.99% | +68 bps | |
| Return on Equity | 7.87% | 9.74% | -6.75% | 2.05% | 7.67% | 9.20% | 6.47% | 6.22% | +417 bps | |
| Net Interest Margin | 5.05% | 5.28% | 3.80% | 4.41% | 4.75% | 4.03% | 4.31% | 4.03% | -38 bps | |
| Efficiency Ratio | 59.21% | 54.82% | 113.75% | 68.77% | 69.97% | 54.63% | 65.57% | 57.04% | -1,174 bps | |
| Non-Interest Burden | 3.01% | 2.93% | 4.44% | 3.05% | 3.38% | 2.22% | 2.87% | 2.30% | -75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 211% | 231% | 179.84% | -1.55% | 0.34% | 2.75% | 5.92% | 3.34% | +489 bps | |
| Loan Growth (YoY) | 108.08% | 104.74% | 111.55% | -9.95% | -11.63% | -11.09% | -5.42% | 2.09% | +1,205 bps | |
| Deposit Growth (YoY) | 220% | 222% | 210% | -4.83% | -3.39% | 1.88% | 5.12% | 2.97% | +780 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 | -0.03% | -0.29% | 0.72% | 0.91% | -0.30% | -0.05% | 0.09% | -0.10% | -100 bps | |
| Allowance / Loans | 0.24% | 0.37% | 0.72% | 0.98% | 0.84% | 0.88% | 0.91% | 0.93% | -5 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 | 9.37% | 13.56% | 13.71% | 14.02% | 14.44% | 15.31% | 15.63% | 18.08% | +406 bps | |
| Equity / Assets | 13.09% | 15.33% | 15.36% | 15.21% | 15.96% | 15.91% | 15.79% | 16.07% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.08% | 61.69% | 59.93% | 55.69% | 56.79% | 53.84% | 53.92% | 55.22% | -47 bps | |
| Liquid Assets / Assets | 32.24% | 23.82% | 23.15% | 20.40% | 10.00% | 9.79% | 10.01% | 10.10% | -1,031 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |