Gilbert, AZ · Cert 34485
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 3.70% | 0.23% | -0.22% | -1.23% | -10.21% | -6.23% | -11.41% | -1,118 bps | |
| Return on Equity | 11.85% | 43.65% | 2.63% | -2.56% | -13.35% | -117.68% | -87.59% | -215% | -21,251 bps | |
| Net Interest Margin | 4.70% | 3.86% | 3.81% | 3.30% | 2.73% | 1.62% | 0.01% | 1.20% | -210 bps | |
| Efficiency Ratio | 63.20% | 33.19% | 70.03% | 61.43% | 79.11% | 143.11% | 249% | 818% | +75,657 bps | |
| Non-Interest Burden | 2.86% | -3.28% | 2.59% | 1.93% | 2.10% | 2.42% | 3.59% | 12.47% | +1,054 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.81% | 9.12% | 7.77% | -6.79% | -3.18% | -0.38% | -8.19% | -12.98% | -620 bps | |
| Loan Growth (YoY) | 19.78% | 6.41% | 0.95% | -10.49% | -19.55% | -22.68% | -35.25% | -39.34% | -2,885 bps | |
| Deposit Growth (YoY) | 25.92% | 3.96% | 7.56% | -7.80% | -3.09% | 9.73% | -1.00% | -4.47% | +333 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 | -0.59% | 0.02% | 3.06% | 1.00% | 3.04% | 10.70% | 19.18% | 11.47% | +1,046 bps | |
| Allowance / Loans | 1.27% | 1.79% | 1.21% | 1.55% | 1.82% | 5.22% | 4.16% | 5.06% | +351 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 | 10.16% | 10.49% | 10.44% | 10.90% | 12.43% | 8.95% | 6.19% | 0.00% | -1,090 bps | |
| Equity / Assets | 8.30% | 8.65% | 8.72% | 8.84% | 9.60% | 7.69% | 6.51% | 4.01% | -483 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.67% | 113.00% | 104.83% | 99.97% | 87.72% | 79.63% | 68.57% | 63.48% | -3,649 bps | |
| Liquid Assets / Assets | 0.04% | 0.01% | 0.00% | 0.00% | 1.03% | 5.25% | 0.78% | 1.23% | +123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |