Mesa, AZ · Cert 58373
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.03% | -7.00% | -7.57% | -4.57% | -2.89% | -2.49% | -1.83% | -1.39% | +318 bps | |
| Return on Equity | -5.03% | -10.77% | -13.61% | -10.30% | -8.15% | -9.89% | -9.46% | -7.73% | +257 bps | |
| Net Interest Margin | 4.60% | 2.63% | 2.60% | 3.32% | 4.62% | 3.13% | 2.44% | 2.66% | -66 bps | |
| Efficiency Ratio | 222% | 400% | 340% | 250% | 158.93% | 184.43% | 150.50% | 136.96% | -11,323 bps | |
| Non-Interest Burden | 11.22% | 13.61% | 12.31% | 11.81% | 8.57% | 7.24% | 4.56% | 4.33% | -748 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% | 0.93% | 0.12% | 0.16% | 0.65% | 0.60% | 0.72% | +60 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 |