Mesa, AZ · Cert 57697
FDIC
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 1.66% | 1.34% | 1.71% | 1.65% | 1.63% | -3 bps | |
| Efficiency Ratio | 1046% | n/a | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 5.23% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.21% | 22.13% | 18.49% | 16.59% | 6.57% | +536 bps | |
| Allowance / Loans | 8.52% | 5.24% | 5.14% | 5.46% | 8.89% | +36 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 | 17.81% | 11.71% | 10.63% | 7.61% | 0.73% | -1,708 bps | |
| Equity / Assets | 15.40% | 9.61% | 8.65% | 5.55% | 0.40% | -1,500 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.85% | 87.58% | 79.38% | 71.12% | 67.39% | -3,946 bps | |
| Liquid Assets / Assets | 0.08% | 0.08% | 0.03% | 0.03% | 0.05% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |