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Sonoran Bank, N.A.

Phoenix, AZ · Cert 58252

FDIC

Q2 2012

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: Q2 2012, the quarter ended June 30, 2012, 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

Sonoran Bank, N.A.

Phoenix, AZ · Cert 58252

FDIC

Q2 2012

$28.5MAssets
$17.7MLoans
$24.6MDeposits
$3.3MEquity
Loan mix
73%RE $9.3M21%C&I $2.7M6%Consumer $0.7MQ2 2011Q2 2012
Deposit mix
78%Interest-bearing $19.0M22%Noninterest $5.5MQ2 2011Q2 2012

NIM

4.65%Q2 ’104.82%Q2 ’114.65%Q2 ’12+12%+2%

Non-interest income vs. expense

5.40%Q2 ’105.48%Q2 ’116.54%Q2 ’12-19%+16%

Executive Summary

  • Earnings: ROA of -1.01%, down 31 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 72.13% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.01%-31 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+7 bps YoY

Efficiency Ratio (YTD, annualized)

128.85%+1,214 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.70%-0.11%-0.16%-0.49%-1.01%-31 bps
Return on Equity-5.64%-0.87%-1.25%-3.80%-8.09%-246 bps
Net Interest Margin4.02%3.79%4.05%3.98%4.10%+7 bps
Efficiency Ratio116.71%120.82%117.05%121.92%128.85%+1,214 bps
Non-Interest Burden4.81%4.69%4.88%5.05%5.56%+75 bps
Growth
Asset Growth (YoY)-4.93%-19.46%-11.58%-12.57%-17.73%-1,279 bps
Loan Growth (YoY)1.44%-10.15%-4.36%-4.57%-1.31%-275 bps
Deposit Growth (YoY)-3.19%-21.25%-14.74%-12.99%-13.84%-1,064 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.56%0.38%0.26%-0.05%-0.05%-60 bps
Allowance / Loans3.57%3.81%3.62%3.77%3.68%+10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.91%16.47%15.87%16.46%16.10%+118 bps
Equity / Assets12.27%13.85%13.76%11.85%11.73%-54 bps
Liquidity & Funding
Loans / Deposits62.97%66.76%69.98%70.53%72.13%+916 bps
Liquid Assets / Assets0.61%2.97%2.37%2.57%2.59%+198 bps
CRE / Total Capitaln/an/an/an/an/an/an/a