Sierra Vista, AZ · Charter 10156
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.94% | 0.95% | 1.12% | 1.23% | 1.53% | 1.24% | 1.18% | +7 bps | |
| Return on Equity | 11.62% | 10.98% | 10.60% | 12.45% | 13.22% | 15.45% | 12.88% | 12.60% | +15 bps | |
| Net Interest Margin | 3.70% | 3.72% | 3.78% | 3.62% | 3.64% | 3.77% | 3.66% | 3.41% | -21 bps | |
| Efficiency Ratio | 65.48% | 65.29% | 65.97% | 63.13% | 62.82% | 60.40% | 63.95% | 72.62% | +949 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 6.27% | 0.70% | 2.85% | 3.41% | 0.90% | 2.51% | 4.91% | +205 bps | |
| Loan Growth (YoY) | 3.87% | 8.73% | 8.24% | 10.72% | 11.66% | 5.25% | 1.27% | 0.80% | -992 bps | |
| Share Growth (YoY) | 6.10% | 5.95% | -0.23% | 2.05% | 2.48% | -0.61% | 1.68% | 4.33% | +228 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.46% | 0.65% | 0.29% | 0.31% | 0.55% | 0.41% | 0.08% | -21 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 | 0.91% | 0.90% | 0.85% | 0.82% | 0.82% | 0.77% | 0.72% | 0.67% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.61% | 9.00% | 8.97% | 9.30% | 9.90% | 9.65% | 9.40% | +43 bps | |
| Net Worth / Assets | 8.52% | 8.61% | 9.00% | 8.97% | 9.30% | 9.90% | 9.65% | 9.40% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.90% | 76.46% | 81.85% | 79.63% | 81.61% | 80.97% | 81.51% | 76.93% | -270 bps | |
| Liquid Assets / Assets | 18.28% | 20.51% | 16.03% | 20.67% | 0.00% | 0.00% | 0.00% | 0.00% | -2,067 bps | |