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 | 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% | 1.03% | -14.74% | -1.50% | -0.23% | -8.35% | -0.58% | +1,416 bps | |
| Return on Equity | 1.41% | 8.84% | 8.57% | -135.60% | -15.76% | -2.43% | -79.69% | -5.43% | +13,017 bps | |
| Net Interest Margin | 4.13% | 4.31% | 3.93% | 3.34% | 3.25% | 2.57% | 2.42% | 2.39% | -96 bps | |
| Efficiency Ratio | 86.85% | 57.16% | 58.45% | 74.35% | 93.01% | 111.29% | 122.07% | 135.92% | +6,157 bps | |
| Non-Interest Burden | 3.65% | 2.24% | 2.15% | 2.46% | 3.02% | 2.87% | 2.94% | 3.15% | +69 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% | 0.13% | 0.00% | 0.61% | 0.10% | 9.06% | 2.01% | +201 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 |