Sun City West, AZ · Charter 68403
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sun City West, AZ · Charter 68403
Q2 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.54% | 0.34% | -2.56% | -1.60% | -1.91% | -3.52% | -4.92% | -235 bps | |
| Return on Equity | 5.76% | 5.90% | 3.89% | -34.28% | -21.09% | -27.11% | -59.66% | -113.38% | -7,910 bps | |
| Net Interest Margin | 4.83% | 4.98% | 4.77% | 4.76% | 4.74% | 4.78% | 4.52% | 4.57% | -19 bps | |
| Efficiency Ratio | 72.62% | 71.61% | 73.47% | 71.52% | 70.80% | 70.86% | 79.24% | 148.22% | +7,670 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | -1.95% | -2.92% | -0.44% | 1.91% | 1.95% | 1.77% | 1.33% | +177 bps | |
| Loan Growth (YoY) | -4.74% | -3.45% | -5.59% | -5.54% | -5.43% | -7.89% | -9.06% | -9.28% | -374 bps | |
| Share Growth (YoY) | 1.84% | -2.74% | -3.57% | 1.10% | 3.45% | 3.36% | 4.94% | 3.81% | +270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 2.78% | 2.27% | 2.57% | 2.07% | 2.19% | 2.01% | 1.33% | -124 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 | 1.45% | 1.56% | 1.68% | 4.16% | 3.29% | 4.23% | 3.84% | 1.95% | -220 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.80% | 9.11% | 8.85% | 7.47% | 7.58% | 7.03% | 5.90% | 4.34% | -313 bps | |
| Net Worth / Assets | 8.80% | 9.11% | 8.85% | 7.47% | 7.58% | 7.03% | 5.90% | 4.34% | -313 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.96% | 78.41% | 73.49% | 70.31% | 69.44% | 69.88% | 63.68% | 61.44% | -887 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |