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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.80% | 0.34% | -1.69% | 0.97% | -5 bps | |
| Return on Equity | 3.71% | 2.93% | 1.17% | -5.90% | 3.58% | -13 bps | |
| Net Interest Margin | 1.62% | 1.91% | 2.01% | 2.25% | 2.25% | +63 bps | |
| Efficiency Ratio | 83.81% | 82.66% | 82.41% | 103.19% | 85.70% | +188 bps | |
| Non-Interest Burden | -1.39% | -1.46% | -1.45% | 2.81% | -0.39% | +100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.14% | 0.16% | 11.67% | 4.58% | 1.66% | +579 bps | |
| Loan Growth (YoY) | 70.84% | 61.15% | 80.12% | 27.26% | 18.41% | -5,244 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 3.94% | 6.34% | 5.47% | 5.14% | 3.30% | -64 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 22.33% | n/a | n/a |
| Total Risk-Based Capital | 52.37% | 56.42% | 49.04% | 45.49% | 47.34% | -503 bps | |
| Equity / Assets | 26.33% | 28.68% | 29.16% | 28.26% | 26.19% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.21% | 53.21% | 67.49% | 69.86% | 60.26% | +905 bps | |
| Liquid Assets / Assets | 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 |