Tucson, AZ · Charter 68426
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 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.
Tucson, AZ · Charter 68426
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.71% | 0.68% | -0.12% | -0.90% | -0.73% | -1.07% | -2.94% | -283 bps | |
| Return on Equity | 7.40% | 8.01% | 7.55% | -1.37% | -11.21% | -9.00% | -13.86% | -43.39% | -4,203 bps | |
| Net Interest Margin | 4.31% | 4.28% | 4.27% | 3.99% | 3.94% | 4.20% | 4.36% | 4.24% | +25 bps | |
| Efficiency Ratio | 82.36% | 82.90% | 83.73% | 86.65% | 87.60% | 85.11% | 83.29% | 78.52% | -813 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.19% | 5.24% | 5.93% | 5.32% | 7.24% | 3.05% | 1.61% | -0.44% | -575 bps | |
| Loan Growth (YoY) | 3.07% | 2.22% | 1.38% | -1.92% | -5.65% | -1.73% | -3.71% | -6.74% | -482 bps | |
| Share Growth (YoY) | 6.30% | 4.94% | 5.37% | 5.20% | 8.06% | 3.82% | 3.03% | 1.11% | -409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 1.80% | 1.62% | 1.89% | 1.72% | 1.76% | 2.23% | 2.03% | +14 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 | 0.88% | 0.78% | 0.65% | 0.75% | 1.15% | 1.33% | 2.11% | 1.99% | +124 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.68% | 8.82% | 8.97% | 8.50% | 7.99% | 8.15% | 7.76% | 6.79% | -171 bps | |
| Net Worth / Assets | 8.68% | 8.82% | 8.97% | 8.50% | 7.99% | 8.15% | 7.76% | 6.79% | -171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.08% | 82.21% | 81.71% | 74.72% | 71.67% | 77.81% | 76.36% | 68.92% | -580 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |