Phoenix, AZ · Cert 15025
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Phoenix, AZ · Cert 15025
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | -0.36% | 2.01% | 1.81% | 1.94% | +203 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.58% | 4.72% | 4.83% | n/a | |
| Efficiency Ratio | n/a | n/a | 54.68% | 55.84% | 53.96% | n/a | |
| Non-Interest Burden | n/a | n/a | 0.93% | 1.02% | 0.78% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.96% | 4.77% | -0.54% | 1.27% | -0.88% | -284 bps | |
| Loan Growth (YoY) | 6.66% | -0.36% | 1.43% | -6.12% | -4.43% | -1,108 bps | |
| Deposit Growth (YoY) | 0.96% | -14.63% | -20.75% | -19.23% | -17.74% | -1,870 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 1.14% | 1.42% | 1.53% | n/a | |
| Allowance / Loans | n/a | n/a | 1.93% | 2.10% | 2.43% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | 11.51% | 12.99% | 12.62% | n/a | |
| Equity / Assets | n/a | n/a | 7.88% | 7.76% | 8.13% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.17% | 107.85% | 110.81% | 104.20% | 109.41% | +1,524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 1.42% | 1.47% | 2.15% | +215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |