PackageTrendsPeer
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Asian Bank of Arizona

Phoenix, AZ · Cert 58253

FDIC

Q3 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Asian Bank of Arizona

Phoenix, AZ · Cert 58253

FDIC

Q3 2009

$40.2MAssets
$31.3MLoans
$37.5MDeposits
$2.6MEquity
Loan mix
93%RE $24.1M7%C&I $1.7M0%Consumer $0.0MQ3 2008Q3 2009
Deposit mix
94%Interest-bearing $35.2M6%Noninterest $2.3MQ3 2008Q3 2009

NIM

7.20%Q3 ’075.62%Q3 ’085.22%Q3 ’09-33%+0%

Non-interest income vs. expense

5.94%Q3 ’074.94%Q3 ’084.23%Q3 ’09-17%+2%

Executive Summary

  • Earnings: ROA of -12.01%, down 905 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.14%.
  • Funding: loans stand at 83.30% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-12.01%-905 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+1 bps YoY

Efficiency Ratio (YTD, annualized)

190.06%+2,765 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-2.96%-2.96%-5.45%-4.06%-12.01%-905 bps
Return on Equity-13.41%-14.28%-35.90%-28.21%-96.75%-8,334 bps
Net Interest Margin2.96%2.56%2.50%2.64%2.96%+1 bps
Efficiency Ratio162.40%164.58%169.69%149.25%190.06%+2,765 bps
Non-Interest Burden4.85%4.27%4.30%4.01%4.97%+11 bps
Growth
Asset Growth (YoY)51.08%52.40%43.24%26.81%8.43%-4,265 bps
Loan Growth (YoY)61.48%53.50%41.22%14.90%-3.52%-6,500 bps
Deposit Growth (YoY)77.38%79.18%63.42%38.38%23.05%-5,433 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.27%1.83%6.07%4.44%6.14%+487 bps
Allowance / Loans2.22%2.10%2.43%2.98%3.20%+98 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.79%16.32%12.88%11.95%9.30%-849 bps
Equity / Assets17.53%16.33%14.09%12.91%6.49%-1,104 bps
Liquidity & Funding
Loans / Deposits106.24%103.81%101.41%91.16%83.30%-2,294 bps
Liquid Assets / Assets0.00%5.42%6.24%11.60%18.05%+1,805 bps
CRE / Total Capitaln/an/an/an/an/an/an/a