Tucson, AZ · Charter 63304
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Tucson, AZ · Charter 63304
Q4 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.54% | -2.98% | 0.57% | -0.65% | -1.22% | -1.21% | -3.01% | -6.71% | -606 bps | |
| Return on Equity | -22.03% | -26.07% | 4.72% | -5.27% | -10.23% | -10.65% | -31.67% | -89.37% | -8,410 bps | |
| Net Interest Margin | 3.41% | 3.76% | 3.83% | 4.09% | 3.70% | 3.66% | 3.52% | 4.10% | +1 bps | |
| Efficiency Ratio | 93.89% | 101.63% | 90.63% | 106.52% | 124.91% | 126.03% | 133.22% | 187.70% | +8,117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.28% | -2.78% | -9.70% | -22.73% | -16.46% | -8.30% | -3.46% | -13.79% | +894 bps | |
| Loan Growth (YoY) | -4.46% | -2.26% | 1.10% | -0.35% | -10.27% | -11.61% | -15.93% | -10.13% | -978 bps | |
| Share Growth (YoY) | 7.37% | 0.22% | -9.30% | -23.93% | -16.72% | -8.11% | -0.66% | -10.26% | +1,368 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.01% | 0.06% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 1.82% | 1.89% | 1.98% | 2.03% | 2.07% | 2.25% | 3.20% | +121 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.52% | 11.43% | 12.02% | 12.32% | 11.90% | 11.33% | 9.51% | 7.51% | -481 bps | |
| Net Worth / Assets | 11.52% | 11.43% | 12.02% | 12.32% | 11.90% | 11.33% | 9.51% | 7.51% | -481 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.02% | 70.42% | 70.99% | 73.27% | 71.13% | 67.74% | 60.08% | 73.37% | +10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |