Scottsdale, AZ · Cert 58744
FDIC · 3 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 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.
Scottsdale, AZ · Cert 58744
FDIC · 3 branches
Q2 2015
Market Position · Phoenix-Mesa-Scottsdale, AZ · 2015 SOD (annual) · 0.1% share · #43 of 58 inst. · $0.1B of $78.7B
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.35% | 0.77% | 0.07% | -0.13% | -0.12% | -0.30% | -0.40% | -0.43% | -29 bps | |
| Return on Equity | 13.22% | 4.42% | 0.42% | -0.82% | -0.71% | -1.83% | -2.52% | -2.62% | -180 bps | |
| Net Interest Margin | 3.44% | 3.51% | 3.87% | 4.30% | 4.60% | 4.23% | 3.43% | 3.99% | -31 bps | |
| Efficiency Ratio | 68.10% | 86.14% | 98.24% | 98.61% | 99.57% | 104.33% | 110.97% | 111.13% | +1,252 bps | |
| Non-Interest Burden | 1.18% | 2.65% | 3.81% | 4.25% | 4.60% | 4.44% | 3.83% | 4.46% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 58.57% | 36.28% | 36.02% | -16.54% | -17.52% | -0.78% | 0.52% | -2.65% | +1,389 bps | |
| Loan Growth (YoY) | 49.80% | 24.36% | 29.35% | -4.60% | 4.21% | 7.23% | -5.93% | -10.60% | -600 bps | |
| Deposit Growth (YoY) | 74.51% | 44.96% | 44.62% | -18.31% | -19.65% | -0.94% | 0.72% | -2.91% | +1,540 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 | 0.40% | 0.36% | -0.22% | -0.11% | -0.08% | -0.06% | -0.04% | -0.03% | +9 bps | |
| Allowance / Loans | 1.19% | 1.10% | 1.12% | 1.22% | 1.29% | 1.23% | 1.37% | 1.38% | +17 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 | 15.82% | 17.67% | n/a | |
| Total Risk-Based Capital | 27.72% | 23.58% | 23.37% | 24.38% | 27.10% | 24.43% | 26.57% | 27.03% | +266 bps | |
| Equity / Assets | 15.83% | 15.76% | 16.27% | 17.36% | 18.09% | 15.78% | 15.92% | 17.37% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.74% | 71.99% | 76.58% | 86.61% | 86.56% | 77.93% | 71.52% | 79.75% | -686 bps | |
| Liquid Assets / Assets | 30.66% | 18.98% | 17.11% | 15.57% | 15.43% | 22.24% | 22.37% | 0.00% | -1,557 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |