Phoenix, AZ · Cert 57917
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Phoenix, AZ · Cert 57917
FDIC
Q3 2011
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.18% | -5.28% | -1.45% | -2.65% | -4.57% | +61 bps | |
| Return on Equity | -82.15% | -90.22% | -37.80% | -73.19% | -150.45% | -6,830 bps | |
| Net Interest Margin | 3.39% | 3.70% | 3.15% | 3.57% | 3.78% | +40 bps | |
| Efficiency Ratio | 110.10% | 116.39% | 134.28% | 131.02% | 127.33% | +1,723 bps | |
| Non-Interest Burden | 3.74% | 4.32% | 4.27% | 4.72% | 4.86% | +112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.59% | -14.98% | -19.67% | -21.54% | -25.43% | -984 bps | |
| Loan Growth (YoY) | -16.38% | -17.93% | -19.80% | -19.72% | -21.72% | -533 bps | |
| Deposit Growth (YoY) | -9.51% | -8.09% | -14.40% | -17.66% | -19.55% | -1,003 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.01% | 5.36% | 2.27% | 2.26% | 2.74% | -227 bps | |
| Allowance / Loans | 4.67% | 5.02% | 4.90% | 5.43% | 7.19% | +252 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 | 6.89% | 5.64% | 5.68% | 4.84% | 2.37% | -451 bps | |
| Equity / Assets | 4.80% | 3.81% | 3.87% | 3.13% | 1.05% | -375 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.83% | 105.33% | 102.59% | 105.37% | 101.02% | -280 bps | |
| Liquid Assets / Assets | 10.48% | 8.22% | 9.00% | 8.52% | 7.99% | -249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |