PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bankers Trust Company, National Association

Phoenix, AZ · Cert 58742

FDIC

Q2 2009

$65.9MAssets
$50.1MLoans
$50.4MDeposits
$11.8MEquity
Loan mix
82%RE $32.5M18%C&I $7.2M0%Consumer $0.0MQ2 2008Q2 2009
Deposit mix
89%Interest-bearing $45.0M11%Noninterest $5.3MQ2 2008Q2 2009

NIM

6.74%Q1 ’085.66%Q2 ’085.62%Q2 ’09-22%-20%

Non-interest income vs. expense

38.12%Q1 ’0816.26%Q2 ’084.77%Q2 ’09-57%-72%

Executive Summary

  • Earnings: ROA of -4.33%, up 351 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.99%.
  • Funding: loans stand at 99.48% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-4.33%+351 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-100 bps YoY

Efficiency Ratio (YTD, annualized)

116.26%-21,497 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-7.85%-4.61%-3.42%-3.69%-4.33%+351 bps
Return on Equityn/an/an/a-16.90%-21.22%n/a
Net Interest Margin4.89%3.88%3.32%4.13%3.89%-100 bps
Efficiency Ratio331%252%212%120.31%116.26%-21,497 bps
Non-Interest Burden16.24%9.82%7.10%5.02%4.56%-1,168 bps
Growth
Asset Growth (YoY)n/an/an/a172.68%97.99%n/a
Loan Growth (YoY)n/an/an/a198.39%72.03%n/a
Deposit Growth (YoY)n/an/an/a1801%218%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%0.82%3.89%6.99%+699 bps
Allowance / Loans1.37%1.49%1.31%1.51%1.50%+13 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 Capital45.55%33.23%25.68%23.05%22.28%-2,326 bps
Equity / Assets41.12%29.97%23.03%20.68%17.91%-2,321 bps
Liquidity & Funding
Loans / Deposits183.93%192.71%212%124.93%99.48%-8,445 bps
Liquid Assets / Assets0.00%0.00%0.00%0.12%9.70%+970 bps
CRE / Total Capitaln/an/an/an/an/an/an/a