Kingman, AZ · Cert 23182
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.17% | 1.20% | 1.17% | 1.16% | 1.15% | -0.04% | 1.26% | +8 bps | |
| Return on Equity | 16.34% | 17.88% | 18.52% | 17.80% | 17.11% | 16.89% | -0.62% | 17.20% | -60 bps | |
| Net Interest Margin | 3.70% | 3.75% | 3.76% | 3.71% | 3.62% | 3.60% | 3.55% | 4.03% | +32 bps | |
| Efficiency Ratio | 60.52% | 58.80% | 58.19% | 56.09% | 56.43% | 57.34% | 57.49% | 52.67% | -342 bps | |
| Non-Interest Burden | 2.04% | 1.96% | 1.94% | 1.83% | 1.80% | 1.79% | 1.77% | 1.84% | +1 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% | -0.02% | 0.00% | 0.01% | -0.01% | -0.01% | 0.02% | 0.06% | +6 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 |