Phoenix, AZ · Charter 20565
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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 · Charter 20565
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.14% | 1.00% | 0.90% | 0.92% | 0.83% | 0.81% | 1.03% | +13 bps | |
| Return on Equity | n/a | n/a | 8.59% | 7.87% | 7.91% | 7.27% | 7.25% | 9.37% | +151 bps | |
| Net Interest Margin | 2.84% | 2.89% | 2.85% | 2.79% | 2.73% | 2.60% | 2.54% | 2.60% | -19 bps | |
| Efficiency Ratio | 64.84% | 64.89% | 66.76% | 68.78% | 68.06% | 69.64% | 69.15% | 66.12% | -266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.05% | 4.70% | 3.56% | 4.92% | 3.91% | 9.66% | 12.52% | 12.73% | +781 bps | |
| Loan Growth (YoY) | 0.59% | -0.13% | 0.08% | 2.15% | 1.95% | 2.10% | 2.79% | 1.29% | -86 bps | |
| Share Growth (YoY) | 8.86% | 3.92% | 2.67% | 4.47% | 3.36% | 9.96% | 13.32% | 13.24% | +877 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.26% | 0.18% | 0.20% | 0.15% | 0.11% | 0.17% | 0.14% | -6 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 | 0.41% | 0.37% | 0.38% | 0.38% | 0.35% | 0.35% | 0.38% | 0.33% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 11.68% | 11.47% | 11.66% | 11.42% | 11.19% | 11.01% | -46 bps | |
| Net Worth / Assets | n/a | n/a | 11.68% | 11.47% | 11.66% | 11.42% | 11.19% | 11.01% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.72% | 74.58% | 74.28% | 71.72% | 71.73% | 69.25% | 67.38% | 64.15% | -757 bps | |
| Liquid Assets / Assets | 11.01% | 15.68% | 26.84% | 32.36% | 26.56% | 29.53% | 18.74% | 15.92% | -1,644 bps | |