Kingman, AZ · Cert 23182
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Kingman, AZ · Cert 23182
FDIC
Q4 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.12% | 1.15% | 1.15% | 1.16% | 1.15% | 0.75% | 0.88% | -28 bps | |
| Return on Equity | 16.34% | 17.08% | 17.56% | 17.52% | 17.11% | 17.00% | 10.88% | 12.56% | -497 bps | |
| Net Interest Margin | 3.70% | 3.66% | 3.57% | 3.46% | 3.62% | 3.56% | 3.51% | 3.62% | +16 bps | |
| Efficiency Ratio | 60.52% | 59.63% | 59.13% | 58.31% | 56.43% | 56.90% | 57.10% | 55.89% | -243 bps | |
| Non-Interest Burden | 2.04% | 1.96% | 1.89% | 1.80% | 1.80% | 1.77% | 1.75% | 1.76% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.11% | 18.23% | 19.60% | 20.99% | 20.52% | 17.58% | 10.83% | 6.89% | -1,410 bps | |
| Loan Growth (YoY) | 23.10% | 23.61% | 18.57% | 19.16% | 19.82% | 20.39% | 25.24% | 22.98% | +382 bps | |
| Deposit Growth (YoY) | 21.07% | 16.52% | 19.56% | 20.43% | 19.84% | 16.18% | 8.81% | 4.12% | -1,630 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 0.97% | 0.96% | 0.96% | 0.95% | 0.95% | 0.94% | 0.94% | 0.94% | -1 bps | |
| 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 | 10.97% | 10.83% | 10.80% | 11.35% | 11.26% | 10.98% | 10.93% | 11.12% | -22 bps | |
| Equity / Assets | 6.50% | 6.55% | 6.39% | 6.80% | 6.72% | 6.85% | 7.18% | 7.43% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.28% | 58.77% | 56.50% | 57.06% | 57.27% | 60.89% | 65.03% | 67.39% | +1,033 bps | |
| Liquid Assets / Assets | 19.85% | 18.49% | 19.85% | 19.85% | 19.81% | 20.09% | 7.51% | 28.41% | +856 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |