Phoenix, AZ · Cert 58611
FDIC · 12 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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 58611
FDIC · 12 branches
Q1 2015
Market Position · Phoenix-Mesa-Scottsdale, AZ · 2014 SOD (annual) · 0.0% share · #56 of 58 inst. · $0.0B 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.18% | 6.63% | 1.03% | 0.93% | 0.74% | 0.13% | 0.97% | -5 bps | |
| Return on Equity | 0.40% | 0.82% | 28.47% | 3.71% | 3.32% | 2.60% | 0.47% | 3.58% | -13 bps | |
| Net Interest Margin | 1.21% | 1.37% | 1.54% | 1.62% | 1.79% | 1.93% | 1.99% | 2.25% | +63 bps | |
| Efficiency Ratio | 94.51% | 90.69% | 88.64% | 83.81% | 83.23% | 82.96% | 87.57% | 85.70% | +188 bps | |
| Non-Interest Burden | 0.16% | -0.60% | -0.97% | -1.39% | -1.44% | -1.49% | -0.40% | -0.39% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | -6.90% | -2.53% | -4.14% | 0.16% | 11.67% | 4.58% | 1.66% | +579 bps | |
| Loan Growth (YoY) | 14.92% | -17.72% | 54.96% | 70.84% | 61.15% | 80.12% | 27.26% | 18.41% | -5,244 bps | |
| Deposit Growth (YoY) | 0.42% | -8.59% | -12.26% | -12.05% | -8.77% | 3.16% | 4.48% | 0.62% | +1,267 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 | 9.51% | 11.80% | 7.59% | 3.94% | 5.27% | 4.70% | 4.60% | 3.30% | -64 bps | |
| Allowance / Loans | 6.70% | 4.62% | 2.99% | 2.87% | 2.94% | 2.65% | 2.40% | 2.25% | -62 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 | 22.33% | n/a | n/a |
| Total Risk-Based Capital | 58.50% | 65.79% | 53.31% | 52.37% | 56.42% | 49.04% | 45.49% | 47.34% | -503 bps | |
| Equity / Assets | 21.51% | 24.42% | 29.20% | 26.33% | 28.68% | 29.16% | 28.26% | 26.19% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.13% | 38.66% | 57.35% | 51.21% | 53.21% | 67.49% | 69.86% | 60.26% | +905 bps | |
| Liquid Assets / Assets | 26.25% | 21.18% | 18.15% | 25.60% | 25.60% | 18.76% | 14.98% | 24.49% | -111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |