Cave Creek, AZ · Cert 57149
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -0.93% | -0.80% | -0.96% | -1.81% | -1.75% | -1.10% | -1.49% | -53 bps | |
| Return on Equity | -2.47% | -3.73% | -3.45% | -4.02% | -7.59% | -7.76% | -5.75% | -8.51% | -449 bps | |
| Net Interest Margin | 2.62% | 2.21% | 2.08% | 2.18% | 2.09% | 2.06% | 1.98% | 1.66% | -52 bps | |
| Efficiency Ratio | 133.49% | 160.05% | 152.60% | 162.47% | 202% | 214% | 175.27% | 171.03% | +856 bps | |
| Non-Interest Burden | 3.65% | 3.69% | 3.31% | 3.70% | 4.51% | 4.76% | 3.70% | 3.02% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 60.07% | 89.58% | 73.38% | 38.84% | 27.81% | 10.89% | 38.05% | 37.61% | -123 bps | |
| Loan Growth (YoY) | 57.10% | 64.96% | 69.06% | 40.36% | 33.84% | 50.19% | 92.08% | 98.86% | +5,850 bps | |
| Deposit Growth (YoY) | 74.47% | 133.52% | 98.52% | 44.35% | 34.12% | 11.64% | 49.51% | 47.45% | +310 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 | -0.13% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | -0.02% | -2 bps | |
| Allowance / Loans | 1.19% | 1.12% | 1.11% | 1.12% | 1.34% | 1.19% | 0.90% | 1.25% | +12 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 | 30.15% | 27.18% | 27.85% | 27.10% | 25.49% | 22.46% | 17.82% | 17.44% | -966 bps | |
| Equity / Assets | 27.42% | 22.90% | 23.40% | 24.43% | 23.21% | 21.96% | 17.12% | 17.82% | -661 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.14% | 58.28% | 60.48% | 66.92% | 68.00% | 78.40% | 77.70% | 90.26% | +2,333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |