Tempe, AZ · Charter 1873
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.48% | 4.87% | 4.83% | 4.45% | 4.77% | 3.75% | 4.13% | 3.84% | -61 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 9.27% | 10.56% | 15.29% | 3.03% | -10.75% | -10.13% | -13.92% | -2,921 bps | |
| Loan Growth (YoY) | n/a | 34.34% | 14.65% | -0.91% | -23.37% | -24.02% | -23.42% | -16.39% | -1,547 bps | |
| Share Growth (YoY) | n/a | 6.22% | 8.45% | 14.98% | 2.19% | -12.59% | -11.93% | -16.00% | -3,098 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 0.90% | 0.65% | 3.63% | 1.68% | 0.11% | 0.62% | 0.92% | -271 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 | 4.25% | 3.91% | 3.88% | 4.56% | 4.59% | 4.79% | 5.14% | 4.88% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.41% | 89.29% | 81.94% | 76.96% | 82.80% | 77.62% | 71.25% | 76.60% | -36 bps | |
| Liquid Assets / Assets | 3.99% | 22.11% | 27.53% | 32.00% | 29.08% | 33.29% | 38.76% | 32.68% | +69 bps | |