Phoenix, AZ · Cert 58416
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.87% | 1.14% | 0.83% | 0.15% | -1.91% | +96 bps | |
| Return on Equity | -24.52% | 9.50% | 6.93% | 1.30% | -14.50% | +1,002 bps | |
| Net Interest Margin | 3.78% | 4.00% | 3.60% | 3.36% | -9.37% | -1,315 bps | |
| Efficiency Ratio | 158.79% | 78.19% | 82.44% | 96.05% | 83.91% | -7,488 bps | |
| Non-Interest Burden | 6.61% | 2.86% | 2.77% | 3.20% | -7.53% | -1,414 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.13% | -15.80% | -12.33% | -3.61% | 4.04% | +1,817 bps | |
| Loan Growth (YoY) | -16.51% | -13.54% | -11.26% | -5.99% | -22.83% | -632 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.18% | 0.11% | 0.05% | 0.39% | -0.69% | -51 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.59% | 19.07% | 19.61% | 18.57% | 20.13% | +154 bps | |
| Equity / Assets | 11.71% | 12.21% | 11.79% | 11.81% | 14.48% | +277 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.16% | 97.90% | 85.86% | 89.00% | 73.40% | -2,376 bps | |
| Liquid Assets / Assets | 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 |