Peoria, AZ · Cert 58460
FDIC · 2 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Peoria, AZ · Cert 58460
FDIC · 2 branches
Q2 2014
Market Position · Phoenix-Mesa-Scottsdale, AZ · 2014 SOD (annual) · 0.1% share · #41 of 58 inst. · $0.1B of $72.0B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.87% | 0.67% | 0.71% | 1.58% | 1.06% | 0.47% | 0.51% | -20 bps | |
| Return on Equity | 7.23% | 7.38% | 5.16% | 5.48% | 12.13% | 8.11% | 3.66% | 4.01% | -147 bps | |
| Net Interest Margin | 4.67% | 4.69% | 4.70% | 4.75% | 5.24% | 5.14% | 4.51% | 4.47% | -29 bps | |
| Efficiency Ratio | 88.08% | 85.83% | 86.00% | 85.13% | 73.59% | 81.29% | 89.86% | 88.93% | +380 bps | |
| Non-Interest Burden | 4.10% | 3.98% | 4.02% | 4.03% | 3.68% | 4.08% | 4.05% | 3.96% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.39% | -9.01% | -5.14% | 1.54% | 2.79% | 4.11% | 10.20% | 8.31% | +676 bps | |
| Loan Growth (YoY) | 0.97% | 5.35% | 8.07% | 14.64% | 14.17% | 12.45% | 15.21% | 12.55% | -208 bps | |
| Deposit Growth (YoY) | -8.36% | -5.34% | -3.24% | 0.53% | 0.50% | 3.99% | 10.96% | 8.42% | +789 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 | 0.76% | 1.03% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 3.59% | 3.01% | 2.93% | 2.79% | 2.72% | 2.68% | 2.55% | 2.49% | -30 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 | 17.42% | 17.46% | 17.60% | 17.18% | 18.02% | 18.16% | 17.63% | 17.72% | +54 bps | |
| Equity / Assets | 12.67% | 12.91% | 13.09% | 12.79% | 13.37% | 12.97% | 12.47% | 12.83% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.26% | 81.79% | 83.87% | 87.38% | 90.04% | 88.45% | 87.08% | 90.71% | +333 bps | |
| Liquid Assets / Assets | 0.44% | 0.44% | 0.43% | 0.31% | 0.31% | 0.30% | 0.29% | 0.00% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |