Glendale, AZ · Cert 35578
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.
Glendale, AZ · Cert 35578
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 | 0.89% | 0.13% | -0.49% | -1.08% | -2.78% | -12.71% | -9.97% | -13.64% | -1,256 bps | |
| Return on Equity | 9.23% | 1.40% | -5.42% | -11.99% | -31.29% | -189.68% | -132.75% | -193.22% | -18,123 bps | |
| Net Interest Margin | 5.47% | 4.33% | 4.39% | 4.43% | 4.43% | 3.09% | 2.86% | 2.84% | -159 bps | |
| Efficiency Ratio | 71.32% | 80.84% | 80.22% | 81.13% | 85.12% | 110.48% | 196.77% | 121.72% | +4,058 bps | |
| Non-Interest Burden | 3.58% | 3.37% | 3.39% | 3.46% | 3.68% | 3.51% | 4.93% | 3.62% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.69% | 5.23% | 3.36% | 0.72% | -9.46% | -7.50% | -4.18% | -8.78% | -950 bps | |
| Loan Growth (YoY) | 14.53% | 9.29% | 5.36% | 1.39% | -16.68% | -24.01% | -30.92% | -29.64% | -3,103 bps | |
| Deposit Growth (YoY) | 8.77% | 0.85% | -7.79% | -6.92% | -7.91% | -3.90% | 6.72% | 1.72% | +865 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 | 0.33% | 0.53% | 0.58% | 1.92% | 4.31% | 15.55% | 14.11% | 12.29% | +1,037 bps | |
| Allowance / Loans | 0.98% | 1.07% | 1.68% | 1.97% | 3.42% | 6.53% | 7.63% | 8.48% | +651 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 | 9.87% | 10.26% | 10.17% | 10.17% | 9.80% | 7.46% | 8.11% | 8.02% | -215 bps | |
| Equity / Assets | 9.29% | 8.77% | 9.15% | 8.82% | 8.38% | 5.15% | 9.13% | 5.58% | -324 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.14% | 100.05% | 116.64% | 108.34% | 102.37% | 79.11% | 75.50% | 74.94% | -3,340 bps | |
| Liquid Assets / Assets | 0.03% | 2.15% | 0.03% | 0.03% | 7.16% | 22.18% | 19.14% | 24.74% | +2,471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |