Mesa, AZ · Cert 57620
FDIC · 10 branches
Q3 2022
Market Position · Phoenix-Mesa-Chandler, AZ · 2022 SOD (annual) · 1.0% share · #11 of 61 inst. · $1.8B of $181.8B
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 | 1.05% | 1.30% | 1.28% | 1.04% | 1.51% | +46 bps | |
| Return on Equity | 10.49% | 13.38% | 14.32% | 14.03% | 24.29% | +1,380 bps | |
| Net Interest Margin | 3.15% | 2.86% | 2.84% | 2.85% | 3.13% | -2 bps | |
| Efficiency Ratio | 54.80% | 51.86% | 51.01% | 48.38% | 44.54% | -1,026 bps | |
| Non-Interest Burden | 1.41% | 1.16% | 1.13% | 1.02% | 0.99% | -42 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 / Loans | 0.05% | 0.04% | 0.04% | 0.58% | 0.66% | +60 bps | |
| Net Charge-Offs / Loans | 0.04% | -0.01% | -0.01% | 0.07% | 0.09% | +5 bps | |
| Allowance / Loans | 1.03% | 0.94% | 0.92% | 1.10% | 1.15% | +12 bps | |
| Allowance Coverage of NPLs | 18.8x | 23.7x | 23.6x | 1.9x | 1.7x | -17.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.18% | 7.99% | 7.86% | 7.72% | 7.96% | -22 bps | |
| Total Risk-Based Capital | 12.28% | 12.61% | 12.70% | 12.14% | 12.60% | +33 bps | |
| Equity / Assets | 9.89% | 9.57% | 8.29% | 6.61% | 5.81% | -408 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.43% | 51.49% | 54.64% | 54.35% | 53.91% | -53 bps | |
| Liquid Assets / Assets | 0.25% | 0.37% | 0.43% | 0.40% | 5.96% | +570 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |