Prescott, AZ · Cert 57498
FDIC · 4 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Prescott, AZ · Cert 57498
FDIC · 4 branches
Q2 2016
Market Position · Prescott, AZ · 2016 SOD (annual) · 5.3% share · #5 of 14 inst. · $0.2B of $3.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.99% | 1.17% | 1.21% | 1.22% | 1.15% | 0.97% | 1.16% | -5 bps | |
| Return on Equity | 9.97% | 9.30% | 11.11% | 11.55% | 11.62% | 10.96% | 9.45% | 11.36% | -19 bps | |
| Net Interest Margin | 3.19% | 3.12% | 3.19% | 3.17% | 3.11% | 3.11% | 3.23% | 3.20% | +3 bps | |
| Efficiency Ratio | 69.42% | 74.08% | 68.12% | 67.11% | 67.24% | 69.37% | 73.48% | 68.95% | +184 bps | |
| Non-Interest Burden | 2.09% | 2.20% | 2.02% | 1.98% | 1.94% | 2.02% | 2.27% | 2.08% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.03% | 9.23% | 8.42% | 10.65% | 9.93% | 9.39% | 11.93% | 8.93% | -173 bps | |
| Loan Growth (YoY) | 7.80% | 6.21% | 1.72% | -0.05% | 6.10% | 4.29% | 8.07% | 4.84% | +489 bps | |
| Deposit Growth (YoY) | 4.93% | 9.39% | 8.39% | 10.95% | 10.02% | 9.55% | 12.52% | 8.92% | -203 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 | -0.18% | -0.31% | -0.31% | -0.16% | -0.11% | -0.13% | -0.01% | -0.15% | +1 bps | |
| Allowance / Loans | 1.67% | 1.66% | 1.75% | 1.73% | 1.67% | 1.72% | 1.67% | 1.77% | +4 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 | 10.47% | 10.50% | 10.46% | 10.54% | 10.03% | 9.95% | -55 bps | |
| Total Risk-Based Capital | 18.27% | 18.24% | 17.76% | 17.70% | 17.76% | 17.82% | 17.09% | 17.61% | -9 bps | |
| Equity / Assets | 10.73% | 10.66% | 10.42% | 10.26% | 10.58% | 10.50% | 9.95% | 10.22% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.56% | 60.38% | 58.69% | 57.03% | 58.40% | 57.48% | 56.37% | 54.89% | -213 bps | |
| Liquid Assets / Assets | 30.50% | 28.94% | 26.84% | 24.23% | 21.44% | 19.07% | 22.42% | 21.53% | -271 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |