Scottsdale, AZ · Cert 58717
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Scottsdale, AZ · Cert 58717
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.08% | -1.59% | -0.32% | 0.07% | 0.31% | 1.05% | -0.05% | -0.21% | -28 bps | |
| Return on Equity | -10.99% | -8.74% | -1.96% | 0.48% | 1.97% | 6.73% | -0.34% | -1.45% | -192 bps | |
| Net Interest Margin | 2.95% | 3.05% | 4.22% | 3.48% | 3.74% | 4.19% | 4.82% | 3.92% | +43 bps | |
| Efficiency Ratio | 131.32% | 121.85% | 102.40% | 94.14% | 91.48% | 91.35% | 104.79% | 99.89% | +575 bps | |
| Non-Interest Burden | 3.98% | 3.79% | 4.34% | 3.24% | 3.36% | 3.75% | 5.11% | 3.91% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 44.41% | 8.41% | 35.10% | 0.71% | 5.80% | 25.94% | 13.64% | -2,146 bps | |
| Loan Growth (YoY) | n/a | 110.37% | 98.68% | 55.75% | 38.98% | 20.34% | 8.15% | 13.02% | -4,273 bps | |
| Deposit Growth (YoY) | n/a | 52.45% | 8.47% | 43.65% | 0.70% | 14.27% | 22.31% | 15.29% | -2,836 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.10% | 1.11% | 1.15% | 1.16% | 1.18% | 1.18% | 1.34% | +19 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 | 21.96% | 20.75% | 20.53% | 20.62% | 18.83% | 20.60% | 20.54% | 19.84% | -77 bps | |
| Equity / Assets | 15.56% | 15.96% | 16.32% | 14.53% | 15.65% | 16.02% | 13.81% | 13.45% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.11% | 99.92% | 102.00% | 88.76% | 106.42% | 105.23% | 90.20% | 87.01% | -175 bps | |
| Liquid Assets / Assets | 19.91% | 8.87% | 2.83% | 12.21% | 1.38% | 5.26% | 18.96% | 15.87% | +366 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |