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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.28% | -3.30% | -3.74% | -5.97% | -3.24% | -197 bps | |
| Return on Equity | -20.36% | -57.15% | -70.53% | -225% | -133.37% | -11,301 bps | |
| Net Interest Margin | 3.60% | 3.66% | 3.88% | 3.74% | 3.94% | +34 bps | |
| Efficiency Ratio | 96.10% | 114.48% | 115.82% | 109.79% | 110.16% | +1,406 bps | |
| Non-Interest Burden | 3.44% | 4.25% | 4.57% | 4.17% | 4.40% | +96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.12% | -17.61% | -6.88% | -22.68% | -21.32% | -1,019 bps | |
| Loan Growth (YoY) | -11.71% | -14.33% | -12.82% | -17.76% | -18.47% | -676 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.95% | 3.65% | 2.85% | 7.74% | 4.03% | +307 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.73% | 6.56% | 5.30% | 3.82% | 3.79% | -494 bps | |
| Equity / Assets | 5.79% | 4.21% | 3.19% | 2.05% | 1.96% | -382 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.18% | 82.00% | 84.07% | 89.60% | 84.74% | +256 bps | |
| Liquid Assets / Assets | 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 |