Phoenix, AZ · Charter 65319
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | -3.98% | -0.56% | 0.10% | 0.40% | 0.90% | 0.59% | -1.14% | -124 bps | |
| Return on Equity | 4.33% | -39.88% | -4.92% | 0.76% | 3.34% | 12.92% | 8.30% | -15.28% | -1,603 bps | |
| Net Interest Margin | 4.87% | 4.09% | 4.96% | 5.64% | 5.44% | 3.48% | 3.35% | 3.11% | -253 bps | |
| Efficiency Ratio | 88.80% | 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 / Loans | 0.36% | 0.45% | 0.07% | 0.67% | 0.95% | 0.35% | 0.87% | 0.13% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.85% | 0.93% | 0.94% | 0.93% | 0.82% | 0.96% | 1.50% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.40% | 9.97% | 11.43% | 12.76% | 12.02% | 6.93% | 7.07% | 7.46% | -529 bps | |
| Net Worth / Assets | 12.40% | 9.97% | 11.43% | 12.76% | 12.02% | 6.93% | 7.07% | 7.46% | -529 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.66% | 85.09% | 91.14% | 108.77% | 115.02% | 55.68% | 53.67% | 56.96% | -5,181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |