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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.70% | 1.81% | 1.80% | 1.84% | 1.87% | 1.76% | 0.67% | -113 bps | |
| Return on Equity | 14.21% | 14.03% | 16.08% | 16.68% | 17.42% | 17.65% | 17.00% | 6.35% | -1,033 bps | |
| Net Interest Margin | 4.03% | 4.05% | 3.92% | 3.57% | 3.45% | 3.50% | 3.23% | 3.47% | -9 bps | |
| Efficiency Ratio | 44.52% | 45.14% | 41.21% | 43.07% | 45.68% | 45.64% | 44.09% | 77.83% | +3,476 bps | |
| Non-Interest Burden | 1.47% | 1.53% | 1.15% | 1.16% | 1.16% | 1.18% | 0.92% | 2.55% | +139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 44.69% | 33.98% | 40.86% | 22.11% | 27.07% | 26.32% | 20.33% | 0.91% | -2,120 bps | |
| Loan Growth (YoY) | 43.19% | 65.22% | 49.65% | 18.24% | 10.27% | 4.77% | -2.36% | -4.17% | -2,241 bps | |
| Deposit Growth (YoY) | 50.56% | 37.42% | 45.92% | 24.49% | 30.54% | 29.37% | 21.03% | 0.77% | -2,372 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.04% | 0.07% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.03% | -0.01% | -0.02% | 0.00% | 0.07% | +11 bps | |
| Allowance / Loans | 1.26% | 1.25% | 1.30% | 1.31% | 1.33% | 1.29% | 1.35% | 1.36% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 188.8x | n/a | n/a | 36.7x | 18.3x | -170.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.44% | 11.84% | 11.63% | 10.07% | 9.95% | 10.32% | 10.33% | 10.04% | -3 bps | |
| Total Risk-Based Capital | 11.44% | 11.84% | 11.63% | 10.07% | 9.95% | 10.32% | 10.33% | 10.04% | -3 bps | |
| Equity / Assets | 11.55% | 11.86% | 10.70% | 9.98% | 10.06% | 10.53% | 10.21% | 10.98% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.27% | 99.00% | 86.13% | 82.15% | 77.10% | 80.17% | 69.48% | 78.12% | -402 bps | |
| Liquid Assets / Assets | 17.21% | 8.55% | 12.87% | 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 | n/a | n/a | n/a |