Flagstaff, AZ · Cert 34875
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.27% | -0.06% | -0.14% | -1.54% | -3.37% | -3.72% | -9.49% | -935 bps | |
| Return on Equity | 2.53% | 2.26% | -0.59% | -1.37% | -16.09% | -37.01% | -49.74% | -147.22% | -14,585 bps | |
| Net Interest Margin | 4.61% | 4.44% | 4.21% | 3.89% | 3.99% | 3.49% | 2.68% | 2.95% | -94 bps | |
| Efficiency Ratio | 86.87% | 89.18% | 100.08% | 100.87% | 98.32% | 104.26% | 148.69% | 196.06% | +9,519 bps | |
| Non-Interest Burden | 3.96% | 3.92% | 4.21% | 3.93% | 3.92% | 3.66% | 4.20% | 6.29% | +237 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% | 0.05% | -0.08% | -0.04% | 1.26% | 1.93% | 9.67% | 10.01% | +1,005 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 |