Show Low, AZ · Cert 24227
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Show Low, AZ · Cert 24227
FDIC
Q3 2002
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | -0.18% | -0.48% | 0.04% | -0.58% | -0.28% | -0.24% | -0.17% | -21 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -4.10% | -3.36% | -2.45% | n/a | |
| Net Interest Margin | n/a | 5.28% | 5.34% | 5.12% | 5.15% | 4.80% | 4.94% | 4.80% | -32 bps | |
| Efficiency Ratio | n/a | 91.06% | 88.79% | 83.45% | 90.86% | 102.76% | 102.55% | 104.29% | +2,084 bps | |
| Non-Interest Burden | n/a | 4.69% | 4.57% | 3.94% | 4.50% | 4.96% | 5.10% | 5.06% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.54% | 4.10% | -2.11% | -2.29% | -2.51% | -1.07% | -6.37% | -8.65% | -636 bps | |
| Loan Growth (YoY) | 21.58% | 3.25% | -8.19% | -15.42% | -14.54% | -14.03% | -14.86% | -18.50% | -308 bps | |
| Deposit Growth (YoY) | 22.81% | 3.96% | 3.05% | -2.81% | -2.27% | -0.23% | -6.38% | -8.07% | -525 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 | n/a | 0.53% | 0.30% | 0.42% | 0.96% | 3.04% | 2.87% | 1.68% | +126 bps | |
| Allowance / Loans | n/a | 1.36% | 2.22% | 2.35% | 2.54% | 1.83% | 1.56% | 2.19% | -15 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 | n/a | 10.57% | 10.33% | 11.45% | 11.12% | 11.00% | 11.75% | 12.63% | +118 bps | |
| Equity / Assets | n/a | 7.41% | 7.33% | 7.48% | 7.07% | 6.80% | 7.29% | 7.19% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.16% | 81.71% | 78.87% | 71.81% | 73.59% | 70.40% | 71.73% | 63.66% | -815 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.11% | 0.11% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |