Phoenix, AZ · Cert 32218
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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 · Cert 32218
FDIC
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 1.13% | 1.10% | -4.32% | -3.62% | -0.23% | -4.26% | -2.94% | +138 bps | |
| Return on Equity | n/a | 8.84% | 8.69% | -36.54% | -31.82% | -2.43% | -41.83% | -28.96% | +758 bps | |
| Net Interest Margin | 3.66% | 4.31% | 3.81% | 3.67% | 3.68% | 2.57% | 2.50% | 2.39% | -128 bps | |
| Efficiency Ratio | 87.14% | 57.16% | 57.82% | 62.59% | 68.96% | 111.29% | 116.44% | 122.45% | +5,986 bps | |
| Non-Interest Burden | 3.19% | 2.24% | 2.03% | 2.19% | 2.46% | 2.87% | 2.91% | 2.90% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.54% | 52.42% | 49.22% | 38.74% | 11.72% | -8.86% | -5.81% | 10.88% | -2,785 bps | |
| Loan Growth (YoY) | 15.98% | 46.27% | 44.91% | 42.27% | 20.41% | -7.00% | -12.73% | -17.81% | -6,009 bps | |
| Deposit Growth (YoY) | -30.96% | -34.21% | -6.96% | 8.09% | 50.78% | 106.36% | 44.81% | 47.02% | +3,893 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.06% | 0.04% | 0.19% | 0.10% | 4.58% | 3.86% | +381 bps | |
| Allowance / Loans | 1.25% | 1.04% | 1.05% | 1.29% | 1.59% | 1.66% | 3.97% | 3.68% | +239 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.60% | 11.72% | 12.46% | 10.04% | 10.18% | 10.20% | 10.01% | 6.92% | -312 bps | |
| Equity / Assets | 14.04% | 11.83% | 12.26% | 9.45% | 9.63% | 9.60% | 11.34% | 10.02% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 158.27% | 229% | 158.46% | 137.51% | 126.39% | 103.10% | 95.50% | 76.87% | -6,064 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.03% | 0.02% | 0.03% | 0.03% | 8.20% | 21.60% | +2,158 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |