Mesa, AZ · Cert 34911
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mesa, AZ · Cert 34911
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.94% | 0.87% | -3.08% | -4.97% | -4.37% | -1.97% | -1.96% | -5.17% | -20 bps | |
| Return on Equity | 22.87% | 9.96% | -38.24% | -62.28% | -56.40% | -26.96% | -26.85% | -73.74% | -1,146 bps | |
| Net Interest Margin | 5.25% | 4.03% | 4.08% | 3.34% | 2.78% | 0.69% | 0.70% | 0.79% | -256 bps | |
| Efficiency Ratio | 47.01% | 59.23% | 64.98% | 76.73% | 86.39% | 198.22% | 274% | 560% | +48,364 bps | |
| Non-Interest Burden | 2.24% | 2.28% | 2.55% | 2.51% | 2.36% | 1.90% | 2.32% | 3.14% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.38% | 4.13% | -0.43% | 7.06% | 13.95% | 17.97% | 4.78% | -8.48% | -1,555 bps | |
| Loan Growth (YoY) | 28.56% | 3.86% | -14.10% | -21.12% | -26.96% | -32.09% | -27.38% | -31.30% | -1,018 bps | |
| Deposit Growth (YoY) | 21.73% | -0.58% | -0.77% | 12.15% | 27.20% | 29.22% | 12.37% | 1.84% | -1,031 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% | 0.50% | 7.51% | 11.70% | 10.52% | 5.19% | 4.44% | 4.86% | -684 bps | |
| Allowance / Loans | 0.87% | 0.85% | 1.13% | 1.80% | 2.19% | 2.02% | 1.90% | 2.28% | +47 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 | 10.56% | 10.35% | 8.31% | 9.75% | 10.10% | 11.52% | 8.51% | 8.24% | -151 bps | |
| Equity / Assets | 8.74% | 8.77% | 6.73% | 7.72% | 6.96% | 7.64% | 7.23% | 6.04% | -168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 123.02% | 117.86% | 94.26% | 85.54% | 70.64% | 61.95% | 60.92% | 57.71% | -2,784 bps | |
| Liquid Assets / Assets | 0.25% | 0.10% | 0.06% | 5.15% | 20.26% | 24.58% | 20.96% | 19.74% | +1,460 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |