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 June 30, 2014
Federal Reserve System Identifier 3606533




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$86,784$82,480$79,221
Loans Receivable, Net66,68161,56454,566
Mortgage-Backed Securities6,9776,3728,475
Investments10,02110,78211,154
Deposits75,38371,52468,780
Borrowings000
Equity11,13110,69810,228
Net Interest Income1,9434,1233,650
Fee Income272919
Overhead1,7603,6973,343
Net Operating Income219851708
Net Income219851708
Ratio Analysis Profitability%%%
Return on Assets *0.951.070.88
Operating Return on Assets *0.951.070.88
Return on Equity *7.238.067.22
Net Interest Margin *5.155.284.76
Fee Income / Assets *0.060.040.02
Overhead / Assets *4.624.664.16
Efficiency Ratio88.9381.2985.83
Asset Quality%%%
Nonperforming Assets / Assets0.002.073.99
Nonperforming Assets / Equity & Loss Reserves0.0013.7626.49
Loss Reserves / Nonperforming Loansn/a99.5353.58
1-4 Fam Mtg + MBS / Assets27.2825.5925.00
Commercial Real Estate Loans / Assets55.9154.9753.96
Construction Loans / Assets1.371.510.00
Commercial & Industrial Loans / Assets2.542.412.81
Consumer Loans / Assets0.060.170.06
Capitalization%%%
Equity / Assets12.8312.9712.91
Tangible Capital / Tangible Assets12.8312.9712.91
Risk-based Capital Ratio17.7218.1617.46
Liquidity%%%
Loans / Deposits88.4686.0779.33
Non-Interest Bearing Deposits / Deposits7.0011.278.08
Purchased Liabilities11.2513.078.28

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