Mesa, AZ · Cert 58399
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 | -13.41% | -8.65% | -10.76% | -7.62% | -44.33% | -15.39% | -3.95% | -31.94% | -2,432 bps | |
| Return on Equity | -26.27% | -23.61% | -37.79% | -35.87% | -321% | -212% | -77.76% | -4177% | -414,107 bps | |
| Net Interest Margin | 4.99% | 3.53% | 3.67% | 2.78% | 1.23% | 0.98% | 1.35% | 1.28% | -150 bps | |
| Efficiency Ratio | 201% | 167.15% | 232% | 219% | 368% | 311% | 170.14% | n/a | n/a | |
| Non-Interest Burden | 12.42% | 11.21% | 13.07% | 9.65% | 35.46% | 7.57% | 5.09% | 23.08% | +1,343 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% | 0.83% | 1.79% | 5.03% | 7.67% | 11.24% | +1,041 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 |