Scottsdale, AZ · Cert 58186
FDIC · 4 branches
Q3 2019
Market Position · Phoenix-Mesa-Chandler, AZ · 2019 SOD (annual) · 0.2% share · #29 of 63 inst. · $0.2B of $110.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.35% | 0.82% | -0.39% | 0.42% | 0.61% | 0.43% | 0.45% | +84 bps | |
| Return on Equity | 5.59% | 2.68% | 6.65% | -3.24% | 3.62% | 5.37% | 4.02% | 4.42% | +766 bps | |
| Net Interest Margin | 4.75% | 4.49% | 4.65% | 4.22% | 4.26% | 4.07% | 4.11% | 4.06% | -16 bps | |
| Efficiency Ratio | 70.10% | 83.21% | 81.73% | 94.52% | 81.49% | 83.22% | 84.23% | 110.73% | +1,620 bps | |
| Non-Interest Burden | 2.67% | 3.50% | 3.52% | 3.92% | 3.22% | 3.24% | 3.35% | 4.58% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.95% | 5.43% | 7.79% | 12.31% | 16.57% | 16.16% | 19.65% | 21.00% | +869 bps | |
| Loan Growth (YoY) | 16.52% | 14.14% | 7.16% | 2.37% | -1.95% | -3.15% | 5.38% | 10.10% | +774 bps | |
| Deposit Growth (YoY) | -7.10% | 0.88% | 8.02% | 13.49% | 23.63% | 23.16% | 22.18% | 23.61% | +1,011 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.65% | 0.36% | 0.26% | 0.26% | 0.84% | 2.10% | 1.10% | +84 bps | |
| Net Charge-Offs / Loans | 0.37% | 0.41% | 0.03% | 1.54% | 0.38% | 0.65% | 0.17% | 0.08% | -146 bps | |
| Allowance / Loans | 1.70% | 1.66% | 1.69% | 1.60% | 1.74% | 1.52% | 1.44% | 1.35% | -25 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.5x | 4.7x | 6.1x | 6.8x | 1.8x | 0.7x | 1.2x | -4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.91% | 13.09% | 12.54% | 11.73% | 11.50% | 11.36% | 11.08% | 10.13% | -160 bps | |
| Total Risk-Based Capital | 17.17% | 16.59% | 17.59% | 16.83% | 17.35% | 16.71% | 15.72% | 15.77% | -106 bps | |
| Equity / Assets | 13.28% | 12.51% | 12.24% | 11.56% | 11.70% | 11.14% | 10.51% | 10.00% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.13% | 105.33% | 94.51% | 89.81% | 85.76% | 82.83% | 81.51% | 80.00% | -981 bps | |
| Liquid Assets / Assets | 7.55% | 9.15% | 14.61% | 17.21% | 21.46% | 13.64% | 9.48% | 10.93% | -628 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |