Glendale, AZ · Cert 57645
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 | 0.07% | -0.15% | -0.66% | -2.55% | -2.00% | -10.77% | -5.73% | -8.95% | -640 bps | |
| Return on Equity | 0.18% | -0.40% | -2.00% | -8.46% | -7.25% | -44.51% | -43.36% | -77.36% | -6,891 bps | |
| Net Interest Margin | 4.15% | 4.04% | 4.33% | 3.82% | 2.99% | 2.55% | 1.14% | 0.57% | -325 bps | |
| Efficiency Ratio | 84.36% | 86.28% | 110.35% | 111.20% | 113.49% | 133.40% | 354% | 794% | +68,295 bps | |
| Non-Interest Burden | 3.51% | 3.50% | 4.85% | 4.31% | 3.45% | 10.69% | 4.28% | 4.06% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.17% | 27.39% | 27.09% | 39.66% | 56.61% | 54.68% | 31.95% | 26.93% | -1,273 bps | |
| Loan Growth (YoY) | 86.00% | 63.64% | 62.54% | 89.57% | 74.01% | 22.54% | 6.54% | -26.81% | -11,638 bps | |
| Deposit Growth (YoY) | 53.45% | 27.85% | 46.99% | 37.83% | 93.97% | 143.26% | 70.48% | 92.77% | +5,494 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 | 0.48% | 0.34% | 0.17% | -0.12% | 0.04% | 0.21% | 7.22% | 11.72% | +1,184 bps | |
| Allowance / Loans | 1.40% | 1.45% | 1.45% | 2.84% | 3.27% | 4.28% | 3.82% | 4.29% | +145 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 | 35.76% | 28.64% | 25.98% | 19.63% | 19.34% | 18.84% | 18.96% | 15.77% | -386 bps | |
| Equity / Assets | 36.35% | 34.38% | 31.49% | 25.70% | 21.97% | 13.41% | 13.01% | 8.56% | -1,714 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.04% | 144.02% | 117.26% | 143.65% | 92.44% | 72.55% | 73.28% | 54.54% | -8,911 bps | |
| Liquid Assets / Assets | 4.32% | 0.02% | 0.10% | 0.00% | 0.00% | 0.02% | 23.76% | 36.16% | +3,616 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |