Phoenix, AZ · Charter 24075
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Phoenix, AZ · Charter 24075
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.38% | 2.53% | 1.56% | -1.15% | -24.10% | -18.29% | -15.08% | -5.62% | -447 bps | |
| Return on Equity | 16.38% | 16.15% | 9.37% | -6.87% | -312% | -232% | -189.88% | -81.65% | -7,478 bps | |
| Net Interest Margin | 6.34% | 6.80% | 6.91% | 5.43% | 5.89% | 6.51% | 6.88% | 5.97% | +53 bps | |
| Efficiency Ratio | 71.99% | 70.92% | 73.73% | 95.29% | 108.26% | 113.91% | 115.32% | 127.94% | +3,264 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.93% | -8.99% | -7.23% | -8.77% | -25.58% | -26.43% | -27.84% | -29.02% | -2,025 bps | |
| Loan Growth (YoY) | 14.13% | 4.84% | -3.49% | -9.37% | -21.65% | -25.11% | -27.54% | -29.43% | -2,006 bps | |
| Share Growth (YoY) | -6.77% | -12.73% | -10.01% | -10.68% | -19.10% | -18.88% | -20.05% | -20.55% | -986 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 2.23% | 2.18% | 4.65% | 11.80% | 8.42% | 9.50% | 3.96% | -69 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 | 1.10% | 0.88% | 1.55% | 2.12% | 20.18% | 18.75% | 18.47% | 16.16% | +1,404 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.56% | 15.68% | 16.60% | 16.76% | 7.72% | 7.89% | 7.94% | 6.89% | -987 bps | |
| Net Worth / Assets | 14.56% | 15.68% | 16.60% | 16.76% | 7.72% | 7.89% | 7.94% | 6.89% | -987 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.38% | 69.42% | 69.11% | 63.90% | 60.42% | 64.09% | 62.63% | 56.76% | -715 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |