Phoenix, AZ · Charter 12419
Q2 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.96% | -0.88% | -1.24% | -3.63% | -3.79% | -8.40% | -0.83% | -6.59% | -295 bps | |
| Return on Equity | -30.18% | -6.49% | -9.22% | -32.83% | -39.28% | -183.00% | -19.18% | -285% | -25,229 bps | |
| Net Interest Margin | 4.48% | 4.23% | 4.42% | 4.36% | 4.69% | 4.54% | 4.76% | 6.10% | +175 bps | |
| Efficiency Ratio | 89.38% | 80.86% | 99.05% | 108.27% | 111.65% | 109.82% | 90.96% | 99.74% | -852 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.86% | 9.07% | 12.37% | 4.56% | 0.91% | -2.73% | -5.20% | -21.67% | -2,623 bps | |
| Loan Growth (YoY) | -15.08% | -16.98% | -13.86% | -11.10% | -11.41% | -16.42% | -16.80% | -19.26% | -816 bps | |
| Share Growth (YoY) | 13.96% | 11.01% | 15.87% | 9.67% | 5.14% | 7.47% | 4.89% | -13.80% | -2,346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.57% | 4.47% | 2.28% | 11.98% | 9.05% | 1.09% | 0.39% | 0.00% | -1,198 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 | 1.59% | 1.77% | 2.65% | 4.51% | 3.04% | 6.24% | 5.38% | 9.55% | +504 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.11% | 13.57% | 13.49% | 11.07% | 9.65% | 4.59% | 4.33% | 2.31% | -876 bps | |
| Net Worth / Assets | 13.11% | 13.57% | 13.49% | 11.07% | 9.65% | 4.59% | 4.33% | 2.31% | -876 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.23% | 70.81% | 72.52% | 70.66% | 62.55% | 55.07% | 57.52% | 66.18% | -448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |