Scottsdale, AZ · Cert 58717
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.73% | -0.30% | -0.32% | 0.45% | 0.74% | 3.27% | -0.05% | -0.35% | -79 bps | |
| Return on Equity | -4.23% | -1.91% | -1.96% | 2.90% | 4.94% | 20.65% | -0.34% | -2.55% | -546 bps | |
| Net Interest Margin | 3.72% | 4.13% | 4.22% | 3.67% | 4.00% | 4.34% | 4.82% | 3.83% | +16 bps | |
| Efficiency Ratio | 96.41% | 102.78% | 102.40% | 86.60% | 86.80% | 91.00% | 104.79% | 94.83% | +823 bps | |
| Non-Interest Burden | 3.55% | 4.25% | 4.34% | 3.10% | 3.37% | 3.84% | 5.11% | 3.57% | +48 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 |