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Metro Phoenix Bank

Phoenix, AZ · Cert 58402

FDIC · 1 branch

Q2 2022

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 2022, the quarter ended June 30, 2022, 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

Metro Phoenix Bank

Phoenix, AZ · Cert 58402

FDIC · 1 branch

Q2 2022

$399.0MAssets
$277.0MLoans
$354.5MDeposits
$43.8MEquity
Loan mix
51%RE $100.5M49%C&I $96.7M0%Consumer $0.1MQ2 2021Q2 2022
Deposit mix
72%Interest-bearing $256.4M28%Noninterest $98.1MQ2 2021Q2 2022

NIM

4.89%Q2 ’203.84%Q2 ’213.76%Q2 ’22-19%-3%

Non-interest income vs. expense

2.17%Q2 ’201.82%Q2 ’213.24%Q2 ’22-34%+120%

Market Position · Phoenix-Mesa-Chandler, AZ · 2022 SOD (annual) · 0.2% share · #31 of 61 inst. · $0.4B of $181.8B

Executive Summary

  • Earnings: ROA of 0.67%, down 113 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.07% of loans (+7 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.04%, down 3 bps from a year ago.
  • Funding: loans stand at 78.12% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

0.67%-113 bps YoY

Net Interest Margin (YTD, annualized)

3.47%-9 bps YoY

Efficiency Ratio (YTD, annualized)

77.83%+3,476 bps YoY

Tier 1 Leverage Ratio

10.04%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets1.80%1.84%1.87%1.76%0.67%-113 bps
Return on Equity16.68%17.42%17.65%17.00%6.35%-1,033 bps
Net Interest Margin3.57%3.45%3.50%3.23%3.47%-9 bps
Efficiency Ratio43.07%45.68%45.64%44.09%77.83%+3,476 bps
Non-Interest Burden1.16%1.16%1.18%0.92%2.55%+139 bps
Growth
Asset Growth (YoY)22.11%27.07%26.32%20.33%0.91%-2,120 bps
Loan Growth (YoY)18.24%10.27%4.77%-2.36%-4.17%-2,241 bps
Deposit Growth (YoY)24.49%30.54%29.37%21.03%0.77%-2,372 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.04%0.07%+7 bps
Net Charge-Offs / Loans-0.03%-0.01%-0.02%0.00%0.07%+11 bps
Allowance / Loans1.31%1.33%1.29%1.35%1.36%+6 bps
Allowance Coverage of NPLs188.8xn/an/a36.7x18.3x-170.5x
Capital
Tier 1 Leverage Ratio10.07%9.95%10.32%10.33%10.04%-3 bps
Total Risk-Based Capital10.07%9.95%10.32%10.33%10.04%-3 bps
Equity / Assets9.98%10.06%10.53%10.21%10.98%+101 bps
Liquidity & Funding
Loans / Deposits82.15%77.10%80.17%69.48%78.12%-402 bps
Liquid Assets / Assets19.01%23.78%23.22%26.23%22.73%+372 bps
CRE / Total Capitaln/an/an/an/an/an/an/a