Gold Canyon, AZ · Cert 58066
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.49% | -1.35% | -1.76% | -1.65% | -1.94% | -1.92% | -2.60% | -4.87% | -322 bps | |
| Return on Equity | -36.24% | -31.11% | -41.04% | -42.52% | -52.75% | -53.44% | -77.92% | -319% | -27,663 bps | |
| Net Interest Margin | 2.79% | 2.82% | 2.64% | 2.13% | 2.25% | 2.45% | 2.61% | 2.33% | +20 bps | |
| Efficiency Ratio | 143.85% | 141.05% | 171.42% | 176.88% | 171.05% | 174.45% | 180.85% | 3050% | +287,313 bps | |
| Non-Interest Burden | 4.05% | 4.02% | 4.30% | 3.79% | 3.93% | 4.36% | 4.81% | 7.24% | +345 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.96% | -9.75% | 2.25% | 0.15% | -6.70% | -14.58% | -24.55% | -29.25% | -2,941 bps | |
| Loan Growth (YoY) | -5.96% | -2.10% | -9.04% | -7.14% | -4.21% | -5.60% | -3.31% | -7.42% | -28 bps | |
| Deposit Growth (YoY) | -15.42% | -8.22% | 2.59% | 0.40% | -5.72% | -13.05% | -22.93% | -27.22% | -2,762 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 | 1.00% | 0.55% | 0.92% | -0.21% | 1.63% | 0.64% | 0.92% | 0.00% | +21 bps | |
| Allowance / Loans | 2.56% | 2.66% | 2.24% | 2.33% | 2.16% | 2.51% | 3.35% | 3.56% | +123 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.25% | 8.96% | 7.78% | 7.37% | 6.67% | 5.97% | 4.19% | 2.55% | -482 bps | |
| Equity / Assets | 4.15% | 5.00% | 4.12% | 3.64% | 3.22% | 3.29% | 2.12% | 0.88% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.30% | 51.76% | 48.28% | 47.46% | 51.10% | 56.19% | 60.57% | 60.37% | +1,291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 3.32% | 3.34% | 3.63% | 4.01% | 0.00% | 0.00% | -334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |