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 | 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% | -3.11% | -3.73% | -2.87% | 1.14% | 0.83% | 0.15% | -1.91% | +96 bps | |
| Return on Equity | -7.74% | -25.93% | -32.11% | -24.52% | 9.50% | 6.93% | 1.30% | -14.50% | +1,002 bps | |
| Net Interest Margin | 3.49% | 3.34% | 3.41% | 3.78% | 4.00% | 3.60% | 3.36% | -9.37% | -1,315 bps | |
| Efficiency Ratio | 88.67% | 175.18% | 131.47% | 158.79% | 78.19% | 82.44% | 96.05% | 83.91% | -7,488 bps | |
| Non-Interest Burden | 3.07% | 6.11% | 4.55% | 6.61% | 2.86% | 2.77% | 3.20% | -7.53% | -1,414 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% | 3.64% | 4.42% | -0.18% | 0.11% | 0.05% | 0.39% | -0.69% | -51 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 |