Prescott, AZ · Charter 11376
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.86% | 1.64% | 1.16% | -0.20% | -0.54% | 0.63% | 0.14% | -1.61% | -141 bps | |
| Return on Equity | 34.54% | 20.14% | 14.04% | -2.49% | -6.90% | 7.42% | 1.68% | -23.42% | -2,092 bps | |
| Net Interest Margin | 4.76% | 4.67% | 4.77% | 4.29% | 4.42% | 4.34% | 4.60% | 2.97% | -133 bps | |
| Efficiency Ratio | 87.36% | 88.90% | 93.75% | 94.95% | 92.74% | 87.04% | 87.28% | 116.62% | +2,167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.42% | -2.70% | 1.08% | -4.71% | -2.63% | 0.54% | -0.36% | 11.87% | +1,659 bps | |
| Loan Growth (YoY) | -15.86% | -13.98% | -6.52% | -3.04% | 2.49% | 4.90% | 2.84% | -4.98% | -194 bps | |
| Share Growth (YoY) | -2.26% | -2.37% | 0.60% | -3.59% | -1.98% | 0.88% | -0.65% | 12.65% | +1,624 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.48% | 2.58% | 0.82% | 0.94% | 1.73% | 2.49% | 0.84% | +2 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 | 1.92% | 1.95% | 1.71% | 1.70% | 1.67% | 0.88% | 1.46% | 1.44% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.28% | 8.13% | 8.25% | 7.97% | 7.89% | 8.46% | 8.41% | 6.89% | -108 bps | |
| Net Worth / Assets | 8.28% | 8.13% | 8.25% | 7.97% | 7.89% | 8.46% | 8.41% | 6.89% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.68% | 64.32% | 65.76% | 64.19% | 66.58% | 66.88% | 68.07% | 54.14% | -1,004 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |