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Scottsdale Community Bank

Scottsdale, AZ · Cert 35463

FDIC

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Scottsdale Community Bank

Scottsdale, AZ · Cert 35463

FDIC

Q3 2010

$204.0MAssets
$137.5MLoans
$190.2MDeposits
$-2354KEquity
Loan mix
91%RE $77.3M9%C&I $7.3M0%Consumer $0.0MQ3 2009Q3 2010
Deposit mix
92%Interest-bearing $175.2M8%Noninterest $14.9MQ3 2009Q3 2010

NIM

7.01%Q3 ’084.94%Q3 ’093.80%Q3 ’10-39%-29%

Non-interest income vs. expense

3.31%Q3 ’082.97%Q3 ’094.32%Q3 ’10-9%+104%

Executive Summary

  • Earnings: ROA of -10.94%, down 831 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.32%.
  • Funding: loans stand at 72.29% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-10.94%-831 bps YoY

Net Interest Margin (YTD, annualized)

1.61%-65 bps YoY

Efficiency Ratio (YTD, annualized)

14387%+1,425,961 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-2.63%-2.42%-4.72%-6.93%-10.94%-831 bps
Return on Equity-34.74%-33.32%-79.13%-130.88%-289%-25,445 bps
Net Interest Margin2.25%2.19%1.33%1.81%1.61%-65 bps
Efficiency Ratio127.35%134.34%376%401%14387%+1,425,961 bps
Non-Interest Burden2.89%2.97%3.93%4.84%5.89%+300 bps
Growth
Asset Growth (YoY)-7.07%-11.02%-19.82%-22.20%-17.60%-1,053 bps
Loan Growth (YoY)-6.85%-12.88%-20.23%-20.30%-27.70%-2,085 bps
Deposit Growth (YoY)-0.15%-7.37%-14.30%-14.49%-8.64%-849 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.12%3.75%0.35%1.59%7.32%+420 bps
Allowance / Loans3.33%2.83%3.66%5.23%6.40%+307 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital9.59%9.19%8.22%5.79%-1.49%-1,107 bps
Equity / Assets6.67%6.02%5.89%3.81%-1.15%-783 bps
Liquidity & Funding
Loans / Deposits91.35%86.40%87.69%84.56%72.29%-1,905 bps
Liquid Assets / Assets8.66%5.46%2.88%7.02%10.60%+195 bps
CRE / Total Capitaln/an/an/an/an/an/an/a