Mesa, AZ · Cert 58373
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mesa, AZ · Cert 58373
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 | -2.51% | -7.00% | -7.48% | -6.13% | -5.15% | -2.49% | -2.20% | -1.90% | +423 bps | |
| Return on Equity | -2.85% | -10.77% | -12.17% | -11.56% | -10.73% | -9.89% | -9.67% | -9.03% | +253 bps | |
| Net Interest Margin | 4.82% | 2.63% | 2.38% | 2.82% | 2.53% | 3.13% | 2.27% | 2.35% | -47 bps | |
| Efficiency Ratio | 171.35% | 400% | 365% | 316% | 248% | 184.43% | 165.34% | 154.42% | -16,186 bps | |
| Non-Interest Burden | 8.62% | 13.61% | 11.73% | 12.39% | 8.19% | 7.24% | 4.72% | 4.47% | -792 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.69% | 59.00% | 52.36% | 104.97% | 101.99% | 155.64% | 165.23% | 98.40% | -656 bps | |
| Loan Growth (YoY) | 20.40% | 47.56% | -17.00% | 113.19% | 111.71% | 72.62% | 207% | 18.59% | -9,460 bps | |
| Deposit Growth (YoY) | 5194% | 1248% | 852% | 255% | 293% | 390% | 403% | 521% | +26,571 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% | 0.19% | 0.62% | 0.20% | 0.18% | 0.65% | 0.61% | 0.64% | +44 bps | |
| Allowance / Loans | 0.02% | 0.08% | 0.82% | 0.39% | 0.50% | 0.47% | 0.62% | 0.70% | +31 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 | 209% | 129.08% | 103.69% | 58.18% | 52.49% | 32.14% | 42.03% | 38.70% | -1,949 bps | |
| Equity / Assets | 76.68% | 56.22% | 55.05% | 37.03% | 34.11% | 19.80% | 18.90% | 17.24% | -1,979 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 401% | 194.42% | 115.03% | 341% | 216% | 68.54% | 70.27% | 65.10% | -27,582 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 20.73% | 6.18% | 10.19% | +1,019 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |