Phoenix, AZ · Cert 58698
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.
Phoenix, AZ · Cert 58698
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -8.48% | -7.93% | -6.80% | -8.01% | -7.34% | -15.85% | -793 bps | |
| Return on Equity | n/a | n/a | n/a | -14.30% | -13.76% | -31.08% | n/a | |
| Net Interest Margin | 0.78% | 1.05% | 1.08% | 3.64% | 3.71% | 3.52% | +247 bps | |
| Efficiency Ratio | 1766% | 1111% | 1061% | 367% | 364% | 345% | -76,640 bps | |
| Non-Interest Burden | 20.67% | 13.46% | 12.84% | 13.43% | 13.64% | 12.30% | -116 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 54.99% | 37.96% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 413% | 97.11% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 753% | 289% | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.51% | 1.49% | 1.60% | 2.32% | 2.60% | 2.07% | +58 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 176.05% | 107.68% | 79.34% | 70.24% | 74.91% | 60.52% | -4,716 bps | |
| Equity / Assets | 86.00% | 80.37% | 56.82% | 55.12% | 48.54% | 43.88% | -3,649 bps | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 238% | 293% | 142.48% | 175.72% | 142.98% | 148.69% | -14,477 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.20% | 0.20% | 16.89% | 12.11% | +1,211 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |