Phoenix, AZ · Cert 58253
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.27% | -4.07% | -3.73% | -2.96% | -2.96% | -5.45% | -4.06% | -12.01% | -905 bps | |
| Return on Equity | -6.83% | -15.38% | -15.50% | -13.41% | -14.28% | -35.90% | -28.21% | -96.75% | -8,334 bps | |
| Net Interest Margin | 4.18% | 3.75% | 3.24% | 2.96% | 2.56% | 2.50% | 2.64% | 2.96% | +1 bps | |
| Efficiency Ratio | 136.59% | 167.97% | 159.70% | 162.40% | 164.58% | 169.69% | 149.25% | 190.06% | +2,765 bps | |
| Non-Interest Burden | 5.75% | 6.38% | 5.23% | 4.85% | 4.27% | 4.30% | 4.01% | 4.97% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.55% | 46.73% | 44.67% | 51.08% | 52.40% | 43.24% | 26.81% | 8.43% | -4,265 bps | |
| Loan Growth (YoY) | 48.38% | 50.87% | 48.78% | 61.48% | 53.50% | 41.22% | 14.90% | -3.52% | -6,500 bps | |
| Deposit Growth (YoY) | 41.85% | 83.05% | 70.66% | 77.38% | 79.18% | 63.42% | 38.38% | 23.05% | -5,433 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 | 1.05% | 3.39% | 2.15% | 1.27% | 1.83% | 6.07% | 4.44% | 6.14% | +487 bps | |
| Allowance / Loans | 1.88% | 1.81% | 2.25% | 2.22% | 2.10% | 2.43% | 2.98% | 3.20% | +98 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 | 29.08% | 24.19% | 19.89% | 17.79% | 16.32% | 12.88% | 11.95% | 9.30% | -849 bps | |
| Equity / Assets | 28.72% | 24.50% | 20.11% | 17.53% | 16.33% | 14.09% | 12.91% | 6.49% | -1,104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 121.18% | 117.35% | 109.79% | 106.24% | 103.81% | 101.41% | 91.16% | 83.30% | -2,294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 5.42% | 6.24% | 11.60% | 18.05% | +1,805 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |