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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | -0.12% | -0.30% | -0.40% | -0.43% | -29 bps | |
| Return on Equity | -0.82% | -0.71% | -1.83% | -2.52% | -2.62% | -180 bps | |
| Net Interest Margin | 4.30% | 4.60% | 4.23% | 3.43% | 3.99% | -31 bps | |
| Efficiency Ratio | 98.61% | 99.57% | 104.33% | 110.97% | 111.13% | +1,252 bps | |
| Non-Interest Burden | 4.25% | 4.60% | 4.44% | 3.83% | 4.46% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.54% | -17.52% | -0.78% | 0.52% | -2.65% | +1,389 bps | |
| Loan Growth (YoY) | -4.60% | 4.21% | 7.23% | -5.93% | -10.60% | -600 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.11% | -0.08% | -0.06% | -0.04% | -0.03% | +9 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 15.82% | 17.67% | n/a | |
| Total Risk-Based Capital | 24.38% | 27.10% | 24.43% | 26.57% | 27.03% | +266 bps | |
| Equity / Assets | 17.36% | 18.09% | 15.78% | 15.92% | 17.37% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.61% | 86.56% | 77.93% | 71.52% | 79.75% | -686 bps | |
| Liquid Assets / Assets | 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 |