Phoenix, AZ · Cert 34002
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -2.56% | -2.45% | -2.06% | -0.74% | -1.35% | 0.08% | -3.59% | -153 bps | |
| Return on Equity | -17.37% | -16.10% | -15.89% | -13.69% | -4.94% | -8.84% | 0.49% | -23.21% | -952 bps | |
| Net Interest Margin | 3.62% | 3.81% | 3.72% | 4.14% | 4.04% | 3.98% | 4.21% | 4.18% | +4 bps | |
| Efficiency Ratio | 182.30% | 161.11% | 123.35% | 109.42% | 86.15% | 137.76% | 77.01% | 104.01% | -541 bps | |
| Non-Interest Burden | 7.34% | 6.74% | 5.17% | 5.26% | 3.37% | 5.50% | 2.85% | 4.49% | -76 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% | 3.56% | 1.36% | 2.10% | 1.75% | 0.74% | 1.95% | 3.89% | +179 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 |