Phoenix, AZ · Cert 57917
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.91% | -5.52% | -1.45% | -3.95% | -8.86% | -595 bps | |
| Return on Equity | -56.87% | -127.53% | -37.80% | -112.40% | -417% | -35,973 bps | |
| Net Interest Margin | 3.32% | 3.85% | 3.15% | 3.64% | 3.78% | +46 bps | |
| Efficiency Ratio | 108.06% | 135.23% | 134.28% | 127.85% | 120.00% | +1,194 bps | |
| Non-Interest Burden | 3.59% | 5.18% | 4.27% | 4.68% | 4.57% | +98 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 | 1.12% | 5.19% | 2.27% | 2.15% | 3.46% | +234 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 |