Phoenix, AZ · Cert 34002
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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 34002
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.76% | -2.65% | -2.58% | -2.44% | -0.74% | -1.05% | -0.66% | -1.42% | +102 bps | |
| Return on Equity | -17.37% | -16.76% | -16.46% | -15.75% | -4.94% | -6.92% | -4.34% | -9.27% | +648 bps | |
| Net Interest Margin | 3.62% | 3.67% | 3.62% | 3.67% | 4.04% | 3.97% | 3.98% | 4.07% | +40 bps | |
| Efficiency Ratio | 182.30% | 171.33% | 152.87% | 139.52% | 86.15% | 107.54% | 94.94% | 97.36% | -4,216 bps | |
| Non-Interest Burden | 7.34% | 6.95% | 6.23% | 5.86% | 3.37% | 4.40% | 3.81% | 4.02% | -183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.02% | 5.37% | 11.76% | 10.14% | 13.12% | 11.83% | 13.22% | 2.36% | -778 bps | |
| Loan Growth (YoY) | 11.16% | 2.64% | 5.44% | 11.27% | 14.32% | 13.51% | 11.43% | 4.83% | -643 bps | |
| Deposit Growth (YoY) | 25.83% | 58.49% | 64.82% | 57.78% | 17.87% | 11.42% | 21.70% | 5.39% | -5,239 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 | 1.13% | 2.33% | 1.93% | 1.91% | 1.75% | 1.23% | 1.44% | 2.07% | +16 bps | |
| Allowance / Loans | 3.38% | 2.81% | 3.15% | 3.14% | 3.24% | 3.22% | 2.89% | 3.80% | +66 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 | 11.27% | 10.96% | 10.78% | 10.63% | 11.32% | 11.84% | 12.54% | 12.05% | +142 bps | |
| Equity / Assets | 16.13% | 15.67% | 15.20% | 14.89% | 15.12% | 15.41% | 15.43% | 15.52% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.63% | 99.72% | 104.71% | 106.68% | 110.22% | 101.60% | 95.87% | 106.12% | -56 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |