Flagstaff, AZ · Cert 34875
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 | 0.10% | 0.15% | -0.06% | -0.21% | -4.26% | -8.64% | -3.72% | -15.65% | -1,543 bps | |
| Return on Equity | 0.90% | 1.45% | -0.59% | -2.16% | -47.31% | -110.23% | -49.74% | -264% | -26,177 bps | |
| Net Interest Margin | 4.76% | 4.51% | 4.21% | 3.71% | 4.13% | 2.66% | 2.68% | 3.09% | -62 bps | |
| Efficiency Ratio | 93.85% | 95.86% | 100.08% | 101.72% | 93.56% | 128.35% | 148.69% | 238% | +13,627 bps | |
| Non-Interest Burden | 4.45% | 4.31% | 4.21% | 3.78% | 3.83% | 3.54% | 4.20% | 8.18% | +440 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.09% | 34.14% | 38.70% | 19.14% | 13.26% | 8.78% | -3.50% | -7.75% | -2,688 bps | |
| Loan Growth (YoY) | 35.55% | 48.15% | 44.24% | 25.35% | 21.96% | 7.80% | -8.15% | -13.95% | -3,930 bps | |
| Deposit Growth (YoY) | 25.64% | 22.44% | 31.85% | 23.41% | 15.78% | 22.95% | 10.78% | 9.87% | -1,354 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% | 0.20% | -0.08% | -0.01% | 3.85% | 3.88% | 9.67% | 9.89% | +990 bps | |
| Allowance / Loans | 1.04% | 0.91% | 0.90% | 0.95% | 1.74% | 3.27% | 2.25% | 3.13% | +218 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 | 12.73% | 11.69% | 11.21% | 11.09% | 9.94% | 9.22% | 9.41% | 5.72% | -537 bps | |
| Equity / Assets | 10.82% | 10.36% | 9.86% | 9.77% | 8.29% | 7.38% | 7.57% | 4.19% | -557 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.69% | 107.00% | 106.66% | 108.52% | 99.74% | 93.82% | 88.43% | 84.99% | -2,354 bps | |
| Liquid Assets / Assets | 0.05% | 0.02% | 0.00% | 0.00% | 0.00% | 0.58% | 0.00% | 0.07% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |