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Arizona Bank & Trust

Mesa, AZ · Cert 57620

FDIC · 10 branches

Q3 2022

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: Q3 2022, the quarter ended September 30, 2022, 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 2026-10-11

Arizona Bank & Trust

Mesa, AZ · Cert 57620

FDIC · 10 branches

Q3 2022

$2.0BAssets
$984.8MLoans
$1.8BDeposits
$114.9MEquity
Loan mix
62%RE $519.6M37%C&I $309.7M1%Consumer $10.2MQ3 2021Q3 2022
Deposit mix
53%Interest-bearing $960.4M47%Noninterest $866.6MQ3 2021Q3 2022

NIM

3.68%Q3 ’202.93%Q3 ’212.97%Q3 ’22-17%-3%

Non-interest income vs. expense

2.30%Q3 ’201.98%Q3 ’211.68%Q3 ’22-10%-25%

Market Position · Phoenix-Mesa-Chandler, AZ · 2022 SOD (annual) · 1.0% share · #11 of 61 inst. · $1.8B of $181.8B

Executive Summary

  • Earnings: ROA of 1.27%, up 7 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.66% of loans (+60 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 7.96%, down 22 bps from a year ago.
  • Funding: loans stand at 53.91% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

1.27%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.89%-9 bps YoY

Efficiency Ratio (YTD, annualized)

47.82%-823 bps YoY

Tier 1 Leverage Ratio

7.96%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets1.21%1.23%1.28%1.16%1.27%+7 bps
Return on Equity12.31%12.62%14.32%14.18%16.84%+453 bps
Net Interest Margin2.98%2.73%2.84%2.81%2.89%-9 bps
Efficiency Ratio56.05%54.94%51.01%49.66%47.82%-823 bps
Non-Interest Burden1.37%1.22%1.13%1.06%1.03%-35 bps
Growth
Asset Growth (YoY)74.06%28.72%18.13%18.83%9.33%-6,474 bps
Loan Growth (YoY)29.68%17.31%14.92%12.28%11.84%-1,784 bps
Deposit Growth (YoY)82.55%30.33%19.14%22.70%12.93%-6,962 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.04%0.04%0.58%0.66%+60 bps
Net Charge-Offs / Loans0.02%0.01%-0.01%0.03%0.05%+3 bps
Allowance / Loans1.03%0.94%0.92%1.10%1.15%+12 bps
Allowance Coverage of NPLs18.8x23.7x23.6x1.9x1.7x-17.1x
Capital
Tier 1 Leverage Ratio8.18%7.99%7.86%7.72%7.96%-22 bps
Total Risk-Based Capital12.28%12.61%12.70%12.14%12.60%+33 bps
Equity / Assets9.89%9.57%8.29%6.61%5.81%-408 bps
Liquidity & Funding
Loans / Deposits54.43%51.49%54.64%54.35%53.91%-53 bps
Liquid Assets / Assets0.25%0.37%0.43%0.40%5.96%+570 bps
CRE / Total Capitaln/an/an/an/an/an/an/a