Tempe, AZ · Cert 21643
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 9.07% | 17.61% | 27.42% | 15.41% | 16.07% | 17.94% | 58.11% | 0.40% | -1,500 bps | |
| Return on Equity | 82.69% | 137.13% | 185.15% | 118.91% | 127.81% | 110.88% | 166.43% | 0.49% | -11,842 bps | |
| Net Interest Margin | 2.84% | 2.38% | 1.98% | 1.59% | 1.07% | 0.93% | 0.73% | 0.90% | -69 bps | |
| Efficiency Ratio | 69.85% | 52.89% | 38.62% | 62.48% | 62.07% | 62.00% | 22.76% | 23.01% | -3,947 bps | |
| Non-Interest Burden | -12.90% | -25.92% | -40.06% | -22.90% | -27.95% | -28.63% | -93.29% | 0.21% | +2,311 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.26% | 18.43% | 25.91% | 19.31% | 2.34% | 18.22% | -66.76% | -69.23% | -8,854 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -100.00% | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | -20.00% | -20.00% | -20.00% | -99.50% | -99.37% | -7,937 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Allowance / Loans | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 171.43% | 328% | 196.35% | 138.69% | 119.17% | 151.62% | 409% | 408% | +26,973 bps | |
| Equity / Assets | 10.94% | 15.08% | 14.59% | 11.45% | 13.81% | 18.60% | 82.13% | 82.17% | +7,072 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 100.00% | 100.00% | 100.00% | 0.00% | 0.00% | -10,000 bps | |
| Liquid Assets / Assets | 40.26% | 47.38% | 43.78% | 5.39% | 7.87% | 2.22% | 0.42% | 0.35% | -503 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |