Phoenix, AZ · Cert 58742
FDIC
Q2 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -19.14% | -7.85% | -4.61% | -3.42% | -3.69% | -4.33% | +351 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -16.90% | -21.22% | n/a | |
| Net Interest Margin | 6.31% | 4.89% | 3.88% | 3.32% | 4.13% | 3.89% | -100 bps | |
| Efficiency Ratio | 604% | 331% | 252% | 212% | 120.31% | 116.26% | -21,497 bps | |
| Non-Interest Burden | 38.12% | 16.24% | 9.82% | 7.10% | 5.02% | 4.56% | -1,168 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% | 0.82% | 3.89% | 6.99% | +699 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 |