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Colonia Bank

Phoenix, AZ · Cert 58698

FDIC

Q3 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Colonia Bank

Phoenix, AZ · Cert 58698

FDIC

Q3 2009

$12.8MAssets
$10.4MLoans
$7.0MDeposits
$5.6MEquity
Deposit mix
84%Interest-bearing $5.9M16%Noninterest $1.1MQ2 2008Q3 2009

Executive Summary

  • Earnings: ROA of -15.85%, down 793 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 148.69% of deposits as of Q3 2009.

Return on Assets (YTD, annualized)

-15.85%-793 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+247 bps YoY

Efficiency Ratio (YTD, annualized)

345%-76,640 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.85%Q2 ’081.18%Q3 ’084.16%Q3 ’09+33%+237%

Non-interest income vs. expense

21.08%Q2 ’0813.64%Q3 ’0812.36%Q3 ’09-35%-9%

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-8.48%-7.93%-6.80%-8.01%-7.34%-15.85%-793 bps
Return on Equityn/an/an/a-14.30%-13.76%-31.08%n/a
Net Interest Margin0.78%1.05%1.08%3.64%3.71%3.52%+247 bps
Efficiency Ratio1766%1111%1061%367%364%345%-76,640 bps
Non-Interest Burden20.67%13.46%12.84%13.43%13.64%12.30%-116 bps
Growth
Asset Growth (YoY)n/an/an/an/a54.99%37.96%n/a
Loan Growth (YoY)n/an/an/an/a413%97.11%n/a
Deposit Growth (YoY)n/an/an/an/a753%289%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.51%1.49%1.60%2.32%2.60%2.07%+58 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/a
Total Risk-Based Capital176.05%107.68%79.34%70.24%74.91%60.52%-4,716 bps
Equity / Assets86.00%80.37%56.82%55.12%48.54%43.88%-3,649 bps
Liquidity & Funding
Loans / Deposits238%293%142.48%175.72%142.98%148.69%-14,477 bps
Liquid Assets / Assets0.00%0.00%0.20%0.20%16.89%12.11%+1,211 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/a