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Towne Bank of Arizona

Mesa, AZ · Cert 57697

FDIC

Q1 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Towne Bank of Arizona

Mesa, AZ · Cert 57697

FDIC

Q1 2010

$120.2MAssets
$76.3MLoans
$113.2MDeposits
$479KEquity
Deposit mix
93%Interest-bearing $105.9M7%Noninterest $7.4MQ1 2009Q1 2010

NIM

7.15%Q1 ’084.33%Q1 ’093.51%Q1 ’10-50%-2%

Non-interest income vs. expense

3.24%Q1 ’083.94%Q1 ’093.86%Q1 ’10+58%+107%

Executive Summary

  • Earnings: ROA of -21.25%, down 1,217 bps year over year; NIM at 1.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.57%.
  • Funding: loans stand at 67.39% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-21.25%-1,217 bps YoY

Net Interest Margin (YTD, annualized)

1.63%-3 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-9.08%-17.76%-13.88%-13.40%-21.25%-1,217 bps
Return on Equity-56.38%-126.12%-108.17%-116.83%-696%-64,000 bps
Net Interest Margin1.66%1.34%1.71%1.65%1.63%-3 bps
Efficiency Ratio1046%n/an/an/an/an/a
Non-Interest Burden5.23%8.61%8.54%8.70%10.80%+557 bps
Growth
Asset Growth (YoY)-20.71%-22.44%-19.36%-15.47%-15.90%+481 bps
Loan Growth (YoY)-24.19%-32.06%-31.93%-34.07%-37.48%-1,329 bps
Deposit Growth (YoY)-13.51%-11.59%-6.20%-4.17%-0.88%+1,264 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.21%22.13%18.49%16.59%6.57%+536 bps
Allowance / Loans8.52%5.24%5.14%5.46%8.89%+36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.81%11.71%10.63%7.61%0.73%-1,708 bps
Equity / Assets15.40%9.61%8.65%5.55%0.40%-1,500 bps
Liquidity & Funding
Loans / Deposits106.85%87.58%79.38%71.12%67.39%-3,946 bps
Liquid Assets / Assets0.08%0.08%0.03%0.03%0.05%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a