Yuma, AZ · Cert 57099
FDIC
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.25% | 1.07% | 0.96% | 0.82% | 0.75% | 1.19% | 0.86% | -10 bps | |
| Return on Equity | 12.98% | 12.18% | 10.70% | 9.41% | 8.04% | 7.29% | 11.83% | 8.69% | -72 bps | |
| Net Interest Margin | 5.10% | 4.91% | 4.44% | 4.45% | 4.52% | 4.48% | 4.87% | 4.88% | +43 bps | |
| Efficiency Ratio | 61.90% | 61.96% | 63.76% | 67.88% | 67.97% | 66.31% | 64.23% | 68.68% | +80 bps | |
| Non-Interest Burden | 2.89% | 2.80% | 2.69% | 2.87% | 2.92% | 2.82% | 3.00% | 3.24% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.42% | 5.39% | 6.26% | -0.46% | -0.88% | -6.96% | -5.71% | -2.83% | -237 bps | |
| Loan Growth (YoY) | 7.92% | 15.43% | 6.89% | 4.08% | -2.07% | -9.27% | -4.40% | -9.98% | -1,406 bps | |
| Deposit Growth (YoY) | -14.91% | -6.38% | -1.58% | -2.76% | -1.13% | -8.11% | -4.91% | 1.44% | +420 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 | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.17% | 0.00% | 0.45% | +45 bps | |
| Allowance / Loans | 0.74% | 0.74% | 0.79% | 0.79% | 1.02% | 1.14% | 1.13% | 1.13% | +34 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 | 10.54% | 10.09% | 10.46% | 10.30% | 10.75% | 11.40% | 10.41% | 10.88% | +58 bps | |
| Equity / Assets | 10.22% | 9.90% | 10.15% | 10.55% | 10.38% | 10.56% | 9.53% | 9.67% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.69% | 118.34% | 112.19% | 120.98% | 114.59% | 116.85% | 112.80% | 107.36% | -1,362 bps | |
| Liquid Assets / Assets | 0.20% | 0.21% | 0.03% | 0.01% | 0.10% | 5.28% | 6.60% | 9.06% | +905 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |