Lake Havasu City, AZ · Cert 57411
FDIC · 6 branches
Q3 2022
Market Position · Lake Havasu City-Kingman, AZ · 2022 SOD (annual) · 6.8% share · #5 of 10 inst. · $0.3B of $4.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.04% | 0.81% | 0.91% | -2.45% | -367 bps | |
| Return on Equity | 15.62% | 13.18% | 10.70% | 12.84% | -38.70% | -5,431 bps | |
| Net Interest Margin | 3.33% | 2.99% | 2.82% | 3.16% | 3.43% | +10 bps | |
| Efficiency Ratio | 62.71% | 69.37% | 72.78% | 69.26% | 178.79% | +11,608 bps | |
| Non-Interest Burden | 1.71% | 1.79% | 1.76% | 1.93% | 6.70% | +500 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.96% | 13.40% | 2.50% | -1.98% | -7.26% | -2,822 bps | |
| Loan Growth (YoY) | -14.49% | -11.36% | -7.20% | -5.45% | -0.11% | +1,438 bps | |
| Deposit Growth (YoY) | 20.99% | 13.80% | 2.82% | 1.21% | -1.81% | -2,280 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.20% | 0.07% | 0.06% | 0.06% | -16 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.15% | 0.03% | -0.40% | 0.04% | +4 bps | |
| Allowance / Loans | 1.59% | 1.60% | 1.58% | 1.62% | 1.65% | +5 bps | |
| Allowance Coverage of NPLs | 7.3x | 7.9x | 23.7x | 29.1x | 29.5x | +22.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.02% | 8.14% | 8.44% | 8.65% | 8.34% | +33 bps | |
| Total Risk-Based Capital | 16.34% | 16.77% | 16.99% | 16.34% | 15.85% | -48 bps | |
| Equity / Assets | 7.77% | 8.05% | 7.16% | 6.94% | 5.73% | -204 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.04% | 55.10% | 53.54% | 57.30% | 55.99% | +95 bps | |
| Liquid Assets / Assets | 19.62% | 14.81% | 13.64% | 8.09% | 9.79% | -983 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |