Tempe, AZ · Charter 20794
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 1.02% | 0.96% | 0.62% | -1.86% | 0.82% | 0.69% | 0.16% | -46 bps | |
| Return on Equity | 4.35% | 8.00% | 7.35% | 4.69% | -17.07% | 7.46% | 6.11% | 1.44% | -325 bps | |
| Net Interest Margin | 1.08% | 1.38% | 1.28% | 0.91% | -1.63% | 1.06% | 0.91% | 0.35% | -56 bps | |
| Efficiency Ratio | 22.92% | 17.97% | 18.47% | 25.83% | n/a | 22.58% | 24.26% | 65.82% | +3,999 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.50% | 2.94% | 2.86% | -1.77% | -0.89% | -0.37% | -0.98% | -1.73% | +4 bps | |
| Loan Growth (YoY) | 2.28% | 2.43% | 5.73% | 6.75% | 3.30% | 5.95% | 5.80% | 8.33% | +158 bps | |
| Share Growth (YoY) | 2.22% | 3.78% | 2.28% | -2.03% | 0.60% | 1.80% | 2.17% | 1.76% | +379 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.15% | 0.10% | 0.13% | 0.11% | 0.09% | 0.05% | 0.07% | -5 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 | 0.74% | 0.65% | 0.59% | 0.54% | 0.39% | 0.32% | 0.25% | 0.18% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.63% | 12.77% | 13.11% | 13.24% | 10.89% | 10.93% | 11.24% | 11.22% | -202 bps | |
| Net Worth / Assets | 12.63% | 12.77% | 13.11% | 13.24% | 10.89% | 10.93% | 11.24% | 11.22% | -202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.61% | 36.52% | 38.55% | 39.16% | 38.62% | 38.02% | 39.92% | 41.68% | +253 bps | |
| Liquid Assets / Assets | 16.71% | 18.28% | 17.49% | 19.89% | 22.82% | 19.49% | 0.00% | 0.00% | -1,989 bps | |