SAFE & SOUND® STAR RATINGS

Financial statement

BANK 1440
7010 EAST CHAUNCEY LANE, SUITE 120
PHOENIX, Arizona 85054

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 3606533




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$87,521$82,480$79,221
Loans Receivable, Net64,78261,56454,566
Mortgage-Backed Securities7,2936,3728,475
Investments10,87710,78211,154
Deposits76,34671,52468,780
Borrowings000
Equity10,91410,69810,228
Net Interest Income9564,1233,650
Fee Income152919
Overhead8773,6973,343
Net Operating Income99851708
Net Income99851708
Ratio Analysis Profitability%%%
Return on Assets *1.011.070.88
Operating Return on Assets *1.011.070.88
Return on Equity *7.658.067.22
Net Interest Margin *5.195.284.76
Fee Income / Assets *0.050.040.02
Overhead / Assets *4.644.664.16
Efficiency Ratio89.8681.2985.83
Asset Quality%%%
Nonperforming Assets / Assets1.662.073.99
Nonperforming Assets / Equity & Loss Reserves11.5313.7626.49
Loss Reserves / Nonperforming Loans116.7899.5353.58
1-4 Fam Mtg + MBS / Assets26.5525.5925.00
Commercial Real Estate Loans / Assets53.9354.9753.96
Construction Loans / Assets1.391.510.00
Commercial & Industrial Loans / Assets2.662.412.81
Consumer Loans / Assets0.060.170.06
Capitalization%%%
Equity / Assets12.4712.9712.91
Tangible Capital / Tangible Assets12.4712.9712.91
Risk-based Capital Ratio17.6318.1617.46
Liquidity%%%
Loans / Deposits84.8586.0779.33
Non-Interest Bearing Deposits / Deposits7.9411.278.08
Purchased Liabilities11.7613.078.28

* Calculations are based on the latest four quarters of income and expense.
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