PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

UMB Bank Arizona, National Association

Phoenix, AZ · Cert 58155

FDIC

Q3 2012

$176.7MAssets
$153.3MLoans
$76.6MDeposits
$18.2MEquity
Loan mix
35%RE $51.0M65%C&I $95.4M0%Consumer $0.3MQ4 2010Q3 2012
Deposit mix
54%Interest-bearing $41.7M46%Noninterest $34.9MQ4 2010Q3 2012

Executive Summary

  • Earnings: ROA of 1.04%, up 33 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.83%.
  • Funding: loans stand at 200.04% of deposits as of Q3 2012.

Return on Assets (YTD, annualized)

1.04%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.33%-33 bps YoY

Efficiency Ratio (YTD, annualized)

57.23%-498 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.53%Q3 ’103.94%Q3 ’113.52%Q3 ’12-10%-9%

Non-interest income vs. expense

2.74%Q3 ’102.46%Q3 ’112.14%Q3 ’12-10%-20%

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.56%0.51%0.99%0.71%0.23%1.00%1.01%1.04%+33 bps
Return on Equity5.08%5.04%10.03%7.42%2.38%9.03%9.59%9.92%+250 bps
Net Interest Margin3.98%4.06%4.01%3.65%3.50%3.62%3.52%3.33%-33 bps
Efficiency Ratio58.93%81.59%66.08%62.20%60.77%61.18%58.65%57.23%-498 bps
Non-Interest Burden2.20%3.24%2.53%2.16%2.01%2.06%1.91%1.72%-44 bps
Growth
Asset Growth (YoY)25.88%26.45%22.21%25.33%31.96%38.08%44.67%32.41%+708 bps
Loan Growth (YoY)24.66%24.92%23.58%26.08%35.23%40.19%36.52%34.32%+824 bps
Deposit Growth (YoY)10.86%2.64%10.96%31.28%32.94%44.68%39.07%27.12%-417 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.74%0.20%0.09%0.92%0.62%0.13%1.31%0.83%-9 bps
Allowance / Loans1.54%1.49%1.31%1.02%1.81%1.72%0.93%0.94%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.16%11.25%10.48%9.14%11.08%11.99%10.55%10.49%+135 bps
Equity / Assets10.15%10.26%9.38%8.87%10.69%11.43%9.77%10.32%+145 bps
Liquidity & Funding
Loans / Deposits191.22%208%208%189.31%194.52%202%205%200%+1,073 bps
Liquid Assets / Assets2.17%2.02%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a