Prescott, AZ · Cert 57442
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -7.05% | -0.51% | -2.01% | -7.32% | -5.10% | -5.97% | -0.45% | +156 bps | |
| Return on Equity | -3.97% | -100.04% | -7.76% | -33.38% | -145.79% | -137.05% | -225% | -22.26% | +1,112 bps | |
| Net Interest Margin | 2.89% | 3.60% | 3.78% | 3.59% | 3.50% | 3.90% | 3.74% | 3.83% | +25 bps | |
| Efficiency Ratio | 94.79% | 109.62% | 109.51% | 83.42% | 155.11% | 119.89% | 109.79% | 110.57% | +2,716 bps | |
| Non-Interest Burden | 2.72% | 3.98% | 4.17% | 2.89% | 5.63% | 4.75% | 4.17% | 4.28% | +140 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 | 0.18% | 3.22% | 0.33% | 1.57% | 8.94% | 0.00% | 7.74% | 0.00% | -157 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 |