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Deer Valley

Phoenix, AZ · Charter 20565

Q1 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Deer Valley

Phoenix, AZ · Charter 20565

Q1 2002

$159.1MAssets
$90.4MLoans
$140.9MShares
$17.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.03%, up 13 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.14% of loans (-6 bps YoY).
  • Capital: net worth / assets of 11.01%, down 46 bps from a year ago.
  • Funding: loans stand at 64.15% of shares as of Q1 2002.

Return on Assets (YTD, annualized)

1.03%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.60%-19 bps YoY

Efficiency Ratio (YTD, annualized)

66.12%-266 bps YoY

Net Worth / Assets

11.01%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets1.10%1.14%1.00%0.90%0.92%0.83%0.81%1.03%+13 bps
Return on Equityn/an/a8.59%7.87%7.91%7.27%7.25%9.37%+151 bps
Net Interest Margin2.84%2.89%2.85%2.79%2.73%2.60%2.54%2.60%-19 bps
Efficiency Ratio64.84%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 / Loans0.40%0.26%0.18%0.20%0.15%0.11%0.17%0.14%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.41%0.37%0.38%0.38%0.35%0.35%0.38%0.33%-5 bps
Capital
Risk-Based Capitaln/an/a11.68%11.47%11.66%11.42%11.19%11.01%-46 bps
Net Worth / Assetsn/an/a11.68%11.47%11.66%11.42%11.19%11.01%-46 bps
Liquidity & Funding
Loans / Shares72.72%74.58%74.28%71.72%71.73%69.25%67.38%64.15%-757 bps
Liquid Assets / Assets11.01%15.68%26.84%32.36%26.56%29.53%18.74%15.92%-1,644 bps