Phoenix, AZ · Cert 35037
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 | 0.35% | 0.01% | -0.30% | -0.36% | -0.36% | -2.65% | -4.16% | -5.81% | -546 bps | |
| Return on Equity | 3.47% | 0.10% | -3.13% | -3.76% | -3.88% | -33.39% | -55.75% | -81.19% | -7,743 bps | |
| Net Interest Margin | 4.41% | 3.89% | 3.71% | 3.58% | 3.54% | 2.81% | 2.49% | 2.76% | -81 bps | |
| Efficiency Ratio | 88.13% | 100.00% | 109.24% | 107.94% | 107.64% | 117.44% | 129.38% | 114.60% | +667 bps | |
| Non-Interest Burden | 3.84% | 3.89% | 4.07% | 3.88% | 3.82% | 3.33% | 3.26% | 3.27% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | 1.03% | 14.95% | 5.49% | 2.71% | 10.98% | 10.08% | -6.92% | -1,241 bps | |
| Loan Growth (YoY) | -0.45% | 3.14% | 11.72% | 5.30% | -1.85% | -2.79% | -18.19% | -20.29% | -2,558 bps | |
| Deposit Growth (YoY) | 1.59% | -3.47% | 10.51% | 17.42% | -0.87% | 12.70% | 15.25% | -3.57% | -2,099 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 | -0.02% | 0.02% | 0.11% | 0.35% | 0.29% | 3.16% | 5.97% | 5.96% | +562 bps | |
| Allowance / Loans | 1.00% | 0.99% | 0.99% | 0.97% | 1.05% | 1.37% | 2.37% | 1.89% | +92 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 | 11.19% | 11.11% | 10.64% | 10.78% | 10.41% | 10.12% | 9.06% | 8.87% | -191 bps | |
| Equity / Assets | 10.02% | 9.74% | 8.96% | 9.22% | 8.75% | 7.18% | 6.61% | 6.13% | -310 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.16% | 120.85% | 113.09% | 113.82% | 118.96% | 104.23% | 80.27% | 94.09% | -1,973 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.02% | 0.02% | 0.31% | 13.02% | 26.37% | 16.48% | +1,646 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |