PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.1MQ3 2008Q3 2009

NIM

2.41%Q3 ’084.32%Q3 ’09+73%

Non-interest income vs. expense

12.82%Q3 ’0811.49%Q3 ’09-11%

Executive Summary

  • Earnings: ROA of -31.94%, down 2,422 bps year over year; NIM at 3.62%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

-31.94%-2,422 bps YoY

Net Interest Margin (quarter, annualized)

3.62%+152 bps YoY

Efficiency Ratio (quarter, annualized)

308%-30,523 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-7.72%-11.13%-8.01%-6.83%-31.94%-2,422 bps
Return on Equity-9.29%-16.66%-14.30%-13.21%-68.98%-5,970 bps
Net Interest Margin2.09%1.74%3.64%3.90%3.62%+152 bps
Efficiency Ratio613%982%367%362%308%-30,523 bps
Non-Interest Burden12.82%18.43%13.43%14.28%11.37%-145 bps
Growth
Asset Growth (YoY)n/an/an/a54.99%37.96%n/a
Loan Growth (YoY)n/an/an/a413%97.11%n/a
Deposit Growth (YoY)n/an/an/a753%289%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.49%1.60%2.32%2.60%2.07%+58 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital107.68%79.34%70.24%74.91%60.52%-4,716 bps
Equity / Assets80.37%56.82%55.12%48.54%43.88%-3,649 bps
Liquidity & Funding
Loans / Deposits293%142.48%175.72%142.98%148.69%-14,477 bps
Liquid Assets / Assets0.00%0.20%0.20%16.89%12.11%+1,211 bps
CRE / Total Capitaln/an/an/an/an/an/an/a