Phoenix, AZ · Cert 58402
FDIC · 1 branch
Q2 2022
Market Position · Phoenix-Mesa-Chandler, AZ · 2022 SOD (annual) · 0.2% share · #31 of 61 inst. · $0.4B of $181.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 1.91% | 1.90% | 1.76% | -0.46% | -223 bps | |
| Return on Equity | 17.10% | 19.08% | 18.42% | 17.00% | -4.37% | -2,147 bps | |
| Net Interest Margin | 3.66% | 3.61% | 3.76% | 3.23% | 3.64% | -2 bps | |
| Efficiency Ratio | 44.88% | 50.19% | 45.53% | 44.09% | 112.55% | +6,768 bps | |
| Non-Interest Burden | 1.30% | 1.30% | 1.27% | 0.92% | 4.15% | +285 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 / Loans | 0.01% | 0.00% | 0.00% | 0.04% | 0.07% | +7 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.03% | -0.03% | 0.00% | 0.15% | +22 bps | |
| Allowance / Loans | 1.31% | 1.33% | 1.29% | 1.35% | 1.36% | +6 bps | |
| Allowance Coverage of NPLs | 188.8x | n/a | n/a | 36.7x | 18.3x | -170.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.07% | 9.95% | 10.32% | 10.33% | 10.04% | -3 bps | |
| Total Risk-Based Capital | 10.07% | 9.95% | 10.32% | 10.33% | 10.04% | -3 bps | |
| Equity / Assets | 9.98% | 10.06% | 10.53% | 10.21% | 10.98% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.15% | 77.10% | 80.17% | 69.48% | 78.12% | -402 bps | |
| Liquid Assets / Assets | 19.01% | 23.78% | 23.22% | 26.23% | 22.73% | +372 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |