Phoenix, AZ · Cert 58252
FDIC
Q2 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.27% | -3.46% | -0.66% | -0.75% | 1.12% | -0.33% | -0.49% | -1.57% | -81 bps | |
| Return on Equity | -9.95% | -27.87% | -5.28% | -6.06% | 8.63% | -2.39% | -3.80% | -13.29% | -724 bps | |
| Net Interest Margin | 3.41% | 3.50% | 4.02% | 3.86% | 3.60% | 3.88% | 3.98% | 4.03% | +17 bps | |
| Efficiency Ratio | 138.93% | 1136% | 116.76% | 116.67% | 130.40% | 107.18% | 121.92% | 135.81% | +1,915 bps | |
| Non-Interest Burden | 4.94% | 8.64% | 4.76% | 4.66% | 4.78% | 4.27% | 5.05% | 5.85% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.72% | 7.31% | -7.71% | -4.93% | -19.46% | -11.58% | -12.57% | -17.73% | -1,279 bps | |
| Loan Growth (YoY) | -4.45% | 1.87% | 4.17% | 1.44% | -10.15% | -4.36% | -4.57% | -1.31% | -275 bps | |
| Deposit Growth (YoY) | 43.75% | 23.26% | 0.88% | -3.19% | -21.25% | -14.74% | -12.99% | -13.84% | -1,064 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 | -0.02% | -0.02% | 1.15% | -0.04% | -0.05% | -0.04% | -0.05% | -0.05% | 0 bps | |
| Allowance / Loans | 3.53% | 3.57% | 3.47% | 3.57% | 3.81% | 3.62% | 3.77% | 3.68% | +10 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 | 15.26% | 14.45% | 15.21% | 14.91% | 16.47% | 15.87% | 16.46% | 16.10% | +118 bps | |
| Equity / Assets | 12.35% | 12.46% | 12.59% | 12.27% | 13.85% | 13.76% | 11.85% | 11.73% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.51% | 62.39% | 64.31% | 62.97% | 66.76% | 69.98% | 70.53% | 72.13% | +916 bps | |
| Liquid Assets / Assets | 2.43% | 0.59% | 0.63% | 0.61% | 2.97% | 2.37% | 2.57% | 2.59% | +198 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |