Phoenix, AZ · Cert 58416
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Phoenix, AZ · Cert 58416
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.91% | -2.01% | -2.59% | -2.66% | 1.14% | 0.98% | 0.70% | 0.04% | +270 bps | |
| Return on Equity | -7.74% | -17.21% | -22.17% | -22.75% | 9.50% | 8.21% | 5.89% | 0.29% | +2,304 bps | |
| Net Interest Margin | 3.49% | 3.38% | 3.47% | 3.77% | 4.00% | 3.76% | 3.57% | 0.36% | -341 bps | |
| Efficiency Ratio | 88.67% | 132.33% | 132.05% | 139.64% | 78.19% | 80.23% | 84.78% | 81.93% | -5,771 bps | |
| Non-Interest Burden | 3.07% | 4.56% | 4.67% | 5.45% | 2.86% | 2.79% | 2.88% | 0.30% | -515 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.93% | -15.58% | -19.68% | -14.13% | -15.80% | -12.33% | -3.61% | 4.04% | +1,817 bps | |
| Loan Growth (YoY) | -12.22% | -22.80% | -15.77% | -16.51% | -13.54% | -11.26% | -5.99% | -22.83% | -632 bps | |
| Deposit Growth (YoY) | -16.16% | -16.12% | -21.90% | -17.28% | -17.43% | -14.14% | -4.31% | 2.15% | +1,943 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 1.95% | 2.80% | 2.10% | 0.11% | 0.09% | 0.19% | 0.00% | -210 bps | |
| Allowance / Loans | 3.16% | 2.70% | 2.58% | 2.68% | 2.68% | 2.86% | 2.65% | 0.00% | -268 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.47% | 18.97% | 17.78% | 18.59% | 19.07% | 19.61% | 18.57% | 20.13% | +154 bps | |
| Equity / Assets | 12.42% | 11.57% | 11.66% | 11.71% | 12.21% | 11.79% | 11.81% | 14.48% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.49% | 83.07% | 90.59% | 97.16% | 97.90% | 85.86% | 89.00% | 73.40% | -2,376 bps | |
| Liquid Assets / Assets | 7.43% | 15.26% | 9.75% | 7.66% | 8.06% | 18.57% | 18.72% | 29.47% | +2,182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |