PackageTrendsPeer
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Arrowhead Community Bank

Glendale, AZ · Cert 35578

FDIC

Q3 2009

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 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.

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

Arrowhead Community Bank

Glendale, AZ · Cert 35578

FDIC

Q3 2009

$77.2MAssets
$53.8MLoans
$71.7MDeposits
$4.3MEquity
Loan mix
77%RE $35.6M23%C&I $10.8M0%Consumer $0.1MQ3 2008Q3 2009
Deposit mix
87%Interest-bearing $62.2M13%Noninterest $9.5MQ3 2008Q3 2009

NIM

8.37%Q3 ’076.64%Q3 ’084.32%Q3 ’09-21%-36%

Non-interest income vs. expense

4.76%Q3 ’074.13%Q3 ’084.39%Q3 ’09-1%+5%

Executive Summary

  • Earnings: ROA of -13.64%, down 1,256 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 12.29%.
  • Funding: loans stand at 74.94% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-13.64%-1,256 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-159 bps YoY

Efficiency Ratio (YTD, annualized)

121.72%+4,058 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-1.08%-2.78%-12.71%-9.97%-13.64%-1,256 bps
Return on Equity-11.99%-31.29%-189.68%-132.75%-193.22%-18,123 bps
Net Interest Margin4.43%4.43%3.09%2.86%2.84%-159 bps
Efficiency Ratio81.13%85.12%110.48%196.77%121.72%+4,058 bps
Non-Interest Burden3.46%3.68%3.51%4.93%3.62%+16 bps
Growth
Asset Growth (YoY)0.72%-9.46%-7.50%-4.18%-8.78%-950 bps
Loan Growth (YoY)1.39%-16.68%-24.01%-30.92%-29.64%-3,103 bps
Deposit Growth (YoY)-6.92%-7.91%-3.90%6.72%1.72%+865 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.92%4.31%15.55%14.11%12.29%+1,037 bps
Allowance / Loans1.97%3.42%6.53%7.63%8.48%+651 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 Capital10.17%9.80%7.46%8.11%8.02%-215 bps
Equity / Assets8.82%8.38%5.15%9.13%5.58%-324 bps
Liquidity & Funding
Loans / Deposits108.34%102.37%79.11%75.50%74.94%-3,340 bps
Liquid Assets / Assets0.03%7.16%22.18%19.14%24.74%+2,471 bps
CRE / Total Capitaln/an/an/an/an/an/an/a