Mesa, AZ · Cert 58399
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 58399
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 | -4.68% | -8.65% | -9.72% | -8.84% | -19.74% | -15.39% | -9.76% | -16.86% | -802 bps | |
| Return on Equity | -8.73% | -23.61% | -30.54% | -32.15% | -85.33% | -212% | -152.26% | -407% | -37,509 bps | |
| Net Interest Margin | 1.32% | 3.53% | 3.33% | 2.77% | 2.00% | 0.98% | 1.16% | 1.21% | -155 bps | |
| Efficiency Ratio | 225% | 167.15% | 194.67% | 202% | 227% | 311% | 222% | n/a | n/a | |
| Non-Interest Burden | 3.78% | 11.21% | 11.30% | 9.46% | 14.65% | 7.57% | 6.35% | 11.97% | +251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 78.21% | 48.72% | 194.41% | 178.19% | 61.91% | 30.28% | 4.51% | -18.58% | -19,677 bps | |
| Loan Growth (YoY) | 1453% | 171.73% | 201% | 188.25% | 47.63% | 9.75% | -12.10% | -27.31% | -21,556 bps | |
| Deposit Growth (YoY) | 187.18% | 75.52% | 566% | 684% | 148.39% | 86.27% | 44.25% | 11.97% | -67,172 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 | 0.00% | 0.00% | 0.00% | 0.28% | 0.66% | 5.03% | 6.61% | 8.60% | +832 bps | |
| Allowance / Loans | 1.99% | 1.92% | 2.15% | 2.06% | 3.78% | 6.46% | 5.30% | 7.16% | +510 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 | 33.59% | 27.15% | 20.64% | 15.40% | 11.67% | 7.98% | 7.08% | -4.34% | -1,974 bps | |
| Equity / Assets | 40.51% | 33.25% | 24.57% | 18.48% | 8.85% | 5.53% | 4.63% | -3.32% | -2,180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 128.13% | 120.88% | 106.73% | 88.48% | 76.15% | 71.22% | 65.04% | 57.44% | -3,104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 6.76% | 6.93% | 7.05% | 7.45% | +745 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |