Phoenix, AZ · Cert 58742
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -19.14% | -3.43% | -2.52% | -3.08% | -3.69% | -4.95% | -152 bps | |
| Return on Equity | n/a | -6.90% | -7.26% | -11.79% | -16.90% | -25.71% | -1,881 bps | |
| Net Interest Margin | 6.31% | 5.92% | 4.72% | 3.97% | 4.13% | 3.91% | -201 bps | |
| Efficiency Ratio | 604% | 153.44% | 137.58% | 119.80% | 120.31% | 112.17% | -4,127 bps | |
| Non-Interest Burden | 38.12% | 9.10% | 6.51% | 4.78% | 5.02% | 4.41% | -469 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 172.68% | 97.99% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 198.39% | 72.03% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 1801% | 218% | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 3.29% | 3.89% | 9.67% | +967 bps | |
| Allowance / Loans | 1.39% | 1.37% | 1.49% | 1.31% | 1.51% | 1.50% | +13 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 67.07% | 45.55% | 33.23% | 25.68% | 23.05% | 22.28% | -2,326 bps | |
| Equity / Assets | 62.49% | 41.12% | 29.97% | 23.03% | 20.68% | 17.91% | -2,321 bps | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 796% | 183.93% | 192.71% | 212% | 124.93% | 99.48% | -8,445 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 9.70% | +970 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |