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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.29% | -6.16% | -6.28% | -5.18% | -5.28% | -1.45% | -2.65% | -4.57% | +61 bps | |
| Return on Equity | -24.85% | -82.95% | -92.61% | -82.15% | -90.22% | -37.80% | -73.19% | -150.45% | -6,830 bps | |
| Net Interest Margin | 3.33% | 3.29% | 3.33% | 3.39% | 3.70% | 3.15% | 3.57% | 3.78% | +40 bps | |
| Efficiency Ratio | 82.81% | 98.74% | 111.04% | 110.10% | 116.39% | 134.28% | 131.02% | 127.33% | +1,723 bps | |
| Non-Interest Burden | 2.73% | 3.25% | 3.72% | 3.74% | 4.32% | 4.27% | 4.72% | 4.86% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.15% | -10.47% | -11.24% | -15.59% | -14.98% | -19.67% | -21.54% | -25.43% | -984 bps | |
| Loan Growth (YoY) | -12.23% | -13.52% | -16.19% | -16.38% | -17.93% | -19.80% | -19.72% | -21.72% | -533 bps | |
| Deposit Growth (YoY) | -0.63% | -11.14% | -10.43% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.60% | 6.19% | 6.76% | 5.01% | 5.36% | 2.27% | 2.26% | 2.74% | -227 bps | |
| Allowance / Loans | 3.58% | 4.00% | 4.05% | 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 | 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 | 10.11% | 8.86% | 7.38% | 6.89% | 5.64% | 5.68% | 4.84% | 2.37% | -451 bps | |
| Equity / Assets | 8.08% | 6.76% | 5.43% | 4.80% | 3.81% | 3.87% | 3.13% | 1.05% | -375 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.96% | 109.50% | 108.08% | 103.83% | 105.33% | 102.59% | 105.37% | 101.02% | -280 bps | |
| Liquid Assets / Assets | 5.32% | 8.00% | 8.27% | 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 | n/a | n/a | n/a |