PackageTrendsPeer
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Union Bank of Arizona, National Association

Gilbert, AZ · Cert 34485

FDIC

Q2 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Union Bank of Arizona, National Association

Gilbert, AZ · Cert 34485

FDIC

Q2 2009

$119.5MAssets
$70.1MLoans
$110.4MDeposits
$4.8MEquity
Loan mix
93%RE $54.2M7%C&I $4.1M0%Consumer $0.2MQ2 2008Q2 2009
Deposit mix
93%Interest-bearing $102.5M7%Noninterest $7.9MQ2 2008Q2 2009

NIM

8.47%Q2 ’077.41%Q2 ’083.89%Q2 ’09-29%-83%

Non-interest income vs. expense

3.16%Q2 ’072.52%Q2 ’089.66%Q2 ’09-22%+261%

Executive Summary

  • Earnings: ROA of -8.75%, down 875 bps year over year; NIM at 0.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 16.58%.
  • Funding: loans stand at 63.48% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-8.75%-875 bps YoY

Net Interest Margin (YTD, annualized)

0.61%-296 bps YoY

Efficiency Ratio (YTD, annualized)

464%+39,753 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.00%-0.41%-2.90%-6.23%-8.75%-875 bps
Return on Equity0.02%-4.62%-33.26%-87.59%-142.19%-14,221 bps
Net Interest Margin3.56%3.28%2.76%0.01%0.61%-296 bps
Efficiency Ratio66.03%69.74%80.95%249%464%+39,753 bps
Non-Interest Burden2.27%2.21%2.19%3.59%8.18%+592 bps
Growth
Asset Growth (YoY)-6.79%-3.18%-0.38%-8.19%-12.98%-620 bps
Loan Growth (YoY)-10.49%-19.55%-22.68%-35.25%-39.34%-2,885 bps
Deposit Growth (YoY)-7.80%-3.09%9.73%-1.00%-4.47%+333 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.12%2.53%4.84%19.18%16.58%+1,446 bps
Allowance / Loans1.55%1.82%5.22%4.16%5.06%+351 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.90%12.43%8.95%6.19%0.00%-1,090 bps
Equity / Assets8.84%9.60%7.69%6.51%4.01%-483 bps
Liquidity & Funding
Loans / Deposits99.97%87.72%79.63%68.57%63.48%-3,649 bps
Liquid Assets / Assets0.00%1.03%5.25%0.78%1.23%+123 bps
CRE / Total Capitaln/an/an/an/an/an/an/a