PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Bank of Arizona, National Association

Scottsdale, AZ · Cert 35222

FDIC

Q1 2001

$173.6MAssets
$115.2MLoans
$159.4MDeposits
$10.3MEquity
Loan mix
81%RE $47.6M19%C&I $10.9M0%Consumer $0.1MQ1 2000Q1 2001
Deposit mix
84%Interest-bearing $133.6M16%Noninterest $25.9MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.60%, up 227 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 72.25% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.60%+227 bps YoY

Net Interest Margin (quarter, annualized)

3.83%

Efficiency Ratio (quarter, annualized)

90.29%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets-1.67%-0.06%-0.36%-0.13%0.60%+227 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.83%n/an/a
Efficiency Ration/an/an/an/a90.29%n/an/a
Non-Interest Burdenn/an/an/an/a2.51%n/an/a
Growth
Asset Growth (YoY)n/an/a202%142.52%102.58%n/a
Loan Growth (YoY)n/an/a139.03%50.40%42.15%n/a
Deposit Growth (YoY)n/an/a327%280%149.42%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.18%n/an/a
Allowance / Loansn/an/an/an/a0.51%n/an/a
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 Capitaln/an/an/an/a10.22%n/an/a
Equity / Assetsn/an/an/an/a5.96%n/an/a
Liquidity & Funding
Loans / Deposits126.78%103.08%81.16%65.70%72.25%-5,452 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.29%+29 bps
CRE / Total Capitaln/an/an/an/an/an/an/a