PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arcus Financial Bank

Salt Lake City, UT · Cert 58612

FDIC

Q2 2010

$40.0MAssets
n/aLoans
$2.3MDeposits
$36.1MEquity
Deposit mix
100%Interest-bearing $2.3M0%Noninterest $0.0MQ3 2008Q2 2010

Executive Summary

  • Earnings: ROA of 2.37%, up 264 bps year over year; NIM at 1.49%.
  • Funding: loans stand at 0.00% of deposits as of Q2 2010.

Return on Assets (YTD, annualized)

2.37%1+264 bps YoY

Net Interest Margin (YTD, annualized)

1.49%+20 bps YoY

Efficiency Ratio (YTD, annualized)

80.37%-4,434 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.26%Q3 ’081.44%Q2 ’091.76%Q2 ’10+389%+16%

Non-interest income vs. expense

0.85%Q3 ’081.62%Q2 ’091.21%Q2 ’10+89%-26%

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-0.34%-0.73%-0.15%-0.27%-0.21%-0.20%0.22%12.37%1+264 bps
Return on Equityn/an/a-0.75%-1.37%-1.11%-1.05%1.18%9.46%+1,083 bps
Net Interest Margin0.26%0.64%1.26%1.29%1.39%1.46%1.53%1.49%+20 bps
Efficiency Ratio324%509%117.31%124.71%126.95%124.67%98.23%80.37%-4,434 bps
Non-Interest Burden0.85%3.24%1.48%1.61%1.77%1.83%1.51%1.19%-42 bps
Growth
Asset Growth (YoY)n/an/an/an/a427%14.18%5.45%-78.53%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/a52.54%1.86%-98.47%n/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital493%106.20%76.99%63.68%51.23%50.06%49.83%583%+51,967 bps
Equity / Assets99.36%21.00%18.65%18.64%18.60%18.53%18.03%90.37%+7,174 bps
Liquidity & Funding
Loans / Depositsn/a0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.26%0.22%0.20%6.09%29.74%+2,947 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a