Prescott, AZ · Cert 57442
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Prescott, AZ · Cert 57442
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -1.93% | -0.51% | -1.28% | -3.30% | -3.74% | -5.97% | -3.24% | -197 bps | |
| Return on Equity | -3.60% | -25.75% | -7.76% | -20.36% | -57.15% | -70.53% | -225% | -133.37% | -11,301 bps | |
| Net Interest Margin | 2.91% | 3.27% | 3.78% | 3.60% | 3.66% | 3.88% | 3.74% | 3.94% | +34 bps | |
| Efficiency Ratio | 94.89% | 98.85% | 109.51% | 96.10% | 114.48% | 115.82% | 109.79% | 110.16% | +1,406 bps | |
| Non-Interest Burden | 2.74% | 3.23% | 4.17% | 3.44% | 4.25% | 4.57% | 4.17% | 4.40% | +96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.21% | -9.75% | -8.01% | -11.12% | -17.61% | -6.88% | -22.68% | -21.32% | -1,019 bps | |
| Loan Growth (YoY) | -9.00% | -12.96% | -11.45% | -11.71% | -14.33% | -12.82% | -17.76% | -18.47% | -676 bps | |
| Deposit Growth (YoY) | 22.07% | -3.98% | -4.40% | -9.70% | -15.22% | -5.72% | -22.04% | -20.93% | -1,123 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 | 0.46% | 1.17% | 0.33% | 0.95% | 3.65% | 2.85% | 7.74% | 4.03% | +307 bps | |
| Allowance / Loans | 2.01% | 3.50% | 3.51% | 4.12% | 3.94% | 5.49% | 5.75% | 5.98% | +185 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 | 10.78% | 8.93% | 9.00% | 8.73% | 6.56% | 5.30% | 3.82% | 3.79% | -494 bps | |
| Equity / Assets | 7.23% | 6.84% | 6.25% | 5.79% | 4.21% | 3.19% | 2.05% | 1.96% | -382 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.16% | 90.92% | 84.94% | 82.18% | 82.00% | 84.07% | 89.60% | 84.74% | +256 bps | |
| Liquid Assets / Assets | 23.22% | 8.73% | 14.50% | 18.35% | 7.86% | 4.06% | 1.94% | 5.97% | -1,238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |