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Arizona Holsum

Phoenix, AZ · Charter 65319

Q1 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Arizona Holsum

Phoenix, AZ · Charter 65319

Q1 2011

$32.0MAssets
$15.7MLoans
$27.6MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of -1.14%, down 124 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.13% of loans (-53 bps YoY).
  • Capital: net worth / assets of 7.46%, down 529 bps from a year ago.
  • Funding: loans stand at 56.96% of shares as of Q1 2011.

Return on Assets (YTD, annualized)

-1.14%-124 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-253 bps YoY

Efficiency Ratio (YTD, annualized)

110.72%+3,980 bps YoY

Net Worth / Assets

7.46%-529 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.54%-3.98%-0.56%0.10%0.40%0.90%0.59%-1.14%-124 bps
Return on Equity4.33%-39.88%-4.92%0.76%3.34%12.92%8.30%-15.28%-1,603 bps
Net Interest Margin4.87%4.09%4.96%5.64%5.44%3.48%3.35%3.11%-253 bps
Efficiency Ratio88.80%93.44%83.78%70.92%71.17%68.50%73.22%110.72%+3,980 bps
Growth
Asset Growth (YoY)7.02%31.85%23.27%2.24%6.66%69.26%82.47%80.01%+7,776 bps
Loan Growth (YoY)7.78%14.92%10.47%21.23%16.16%7.63%6.11%-6.12%-2,734 bps
Share Growth (YoY)7.43%38.00%27.03%1.75%-5.42%64.48%80.18%79.28%+7,753 bps
Asset Quality
Delinquent Loans / Loans0.36%0.45%0.07%0.67%0.95%0.35%0.87%0.13%-53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.65%0.85%0.93%0.94%0.93%0.82%0.96%1.50%+55 bps
Capital
Risk-Based Capital12.40%9.97%11.43%12.76%12.02%6.93%7.07%7.46%-529 bps
Net Worth / Assets12.40%9.97%11.43%12.76%12.02%6.93%7.07%7.46%-529 bps
Liquidity & Funding
Loans / Shares93.66%85.09%91.14%108.77%115.02%55.68%53.67%56.96%-5,181 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps