Scottsdale, AZ · Cert 35463
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Scottsdale, AZ · Cert 35463
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.37% | 0.01%1 | -0.14% | -2.63% | -2.42% | -4.72% | -6.93% | -10.94% | -831 bps | |
| Return on Equity | -15.79% | 0.13% | -1.74% | -34.74% | -33.32% | -79.13% | -130.88% | -289% | -25,445 bps | |
| Net Interest Margin | 3.09% | 2.22% | 2.30% | 2.25% | 2.19% | 1.33% | 1.81% | 1.61% | -65 bps | |
| Efficiency Ratio | 90.13% | 115.59% | 115.45% | 127.35% | 134.34% | 376% | 401% | 14387% | +1,425,961 bps | |
| Non-Interest Burden | 2.78% | 2.57% | 2.66% | 2.89% | 2.97% | 3.93% | 4.84% | 5.89% | +300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.55% | 9.46% | 8.72% | -7.07% | -11.02% | -19.82% | -22.20% | -17.60% | -1,053 bps | |
| Loan Growth (YoY) | -0.55% | 4.33% | -1.48% | -6.85% | -12.88% | -20.23% | -20.30% | -27.70% | -2,085 bps | |
| Deposit Growth (YoY) | 10.46% | 16.57% | 17.65% | -0.15% | -7.37% | -14.30% | -14.49% | -8.64% | -849 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 | 1.15% | 0.21% | 1.63% | 3.12% | 3.75% | 0.35% | 1.59% | 7.32% | +420 bps | |
| Allowance / Loans | 3.32% | 3.35% | 2.76% | 3.33% | 2.83% | 3.66% | 5.23% | 6.40% | +307 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 | 10.40% | 10.64% | 11.02% | 9.59% | 9.19% | 8.22% | 5.79% | -1.49% | -1,107 bps | |
| Equity / Assets | 7.69% | 7.85% | 7.99% | 6.67% | 6.02% | 5.89% | 3.81% | -1.15% | -783 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.87% | 94.21% | 90.73% | 91.35% | 86.40% | 87.69% | 84.56% | 72.29% | -1,905 bps | |
| Liquid Assets / Assets | 3.09% | 8.44% | 7.29% | 8.66% | 5.46% | 2.88% | 7.02% | 10.60% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |