Scottsdale, AZ · Cert 57820
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Scottsdale, AZ · Cert 57820
FDIC
Q4 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 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.36% | -5.37% | -4.40% | -4.08% | 0.08% | -3.25% | -2.80% | -2.91% | +118 bps | |
| Return on Equity | -53.84% | -92.83% | -80.34% | -79.01% | 1.99% | -92.86% | -87.12% | -99.06% | -2,005 bps | |
| Net Interest Margin | 1.88% | 2.25% | 2.47% | 2.55% | 2.77% | 2.84% | 3.01% | 3.23% | +68 bps | |
| Efficiency Ratio | 92.28% | 104.89% | 104.25% | 108.89% | 97.33% | 295% | 260% | 281% | +17,177 bps | |
| Non-Interest Burden | 1.69% | 2.38% | 2.59% | 2.81% | 2.69% | 4.91% | 5.09% | 5.76% | +294 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.80% | -17.69% | -20.79% | -25.15% | -23.78% | -20.78% | -22.22% | -27.91% | -276 bps | |
| Loan Growth (YoY) | -10.76% | -20.39% | -25.19% | -29.97% | -33.09% | -32.73% | -29.11% | -29.74% | +23 bps | |
| Deposit Growth (YoY) | 2.86% | -3.45% | -15.28% | -20.93% | -25.70% | -22.51% | -16.59% | -21.89% | -96 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 | 0.00% | 3.76% | 5.12% | 4.93% | -0.15% | 5.62% | 4.01% | 4.47% | -46 bps | |
| Allowance / Loans | 3.60% | 4.22% | 3.74% | 4.33% | 4.80% | 3.16% | 3.39% | 2.71% | -162 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 | 8.80% | 6.98% | 6.81% | 6.07% | 6.46% | 4.47% | 4.01% | 3.06% | -301 bps | |
| Equity / Assets | 6.22% | 4.73% | 4.42% | 3.72% | 4.16% | 2.55% | 2.24% | 1.57% | -215 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.31% | 98.45% | 102.46% | 90.77% | 92.13% | 85.47% | 87.08% | 81.66% | -911 bps | |
| Liquid Assets / Assets | 4.22% | 2.06% | 5.76% | 8.61% | 5.89% | 7.35% | 5.97% | 3.71% | -490 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |