Phoenix, AZ · Cert 32218
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -14.74% | -1.50% | -0.23% | -8.35% | -0.58% | +1,416 bps | |
| Return on Equity | -135.60% | -15.76% | -2.43% | -79.69% | -5.43% | +13,017 bps | |
| Net Interest Margin | 3.34% | 3.25% | 2.57% | 2.42% | 2.39% | -96 bps | |
| Efficiency Ratio | 74.35% | 93.01% | 111.29% | 122.07% | 135.92% | +6,157 bps | |
| Non-Interest Burden | 2.46% | 3.02% | 2.87% | 2.94% | 3.15% | +69 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 38.74% | 11.72% | -8.86% | -5.81% | 10.88% | -2,785 bps | |
| Loan Growth (YoY) | 42.27% | 20.41% | -7.00% | -12.73% | -17.81% | -6,009 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.61% | 0.10% | 9.06% | 2.01% | +201 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.04% | 10.18% | 10.20% | 10.01% | 6.92% | -312 bps | |
| Equity / Assets | 9.45% | 9.63% | 9.60% | 11.34% | 10.02% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 137.51% | 126.39% | 103.10% | 95.50% | 76.87% | -6,064 bps | |
| Liquid Assets / Assets | 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 |