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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.99% | 0.67% | 0.75% | 3.31% | -0.48% | 0.47% | 0.55% | -20 bps | |
| Return on Equity | 5.23% | 7.74% | 5.16% | 5.77% | 25.27% | -3.64% | 3.66% | 4.35% | -142 bps | |
| Net Interest Margin | 4.76% | 4.85% | 4.70% | 4.80% | 6.57% | 4.67% | 4.51% | 4.54% | -26 bps | |
| Efficiency Ratio | 86.31% | 80.40% | 86.00% | 84.27% | 60.67% | 110.26% | 89.86% | 88.04% | +377 bps | |
| Non-Interest Burden | 4.10% | 3.70% | 4.02% | 4.03% | 3.28% | 5.16% | 4.05% | 3.99% | -5 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 | -0.04% | 1.91% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -1 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 |