Show Low, AZ · Cert 24227
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.77% | 1.07% | -2.45% | -0.28% | -0.19% | -0.04% | -111 bps | |
| Return on Equity | n/a | n/a | -10.48% | 14.40% | -33.61% | -4.10% | -2.63% | -0.59% | -1,498 bps | |
| Net Interest Margin | n/a | 5.28% | 5.38% | 5.02% | 4.72% | 4.80% | 4.94% | 4.33% | -69 bps | |
| Efficiency Ratio | n/a | 91.06% | 86.64% | 74.87% | 117.58% | 102.76% | 102.35% | 108.25% | +3,337 bps | |
| Non-Interest Burden | n/a | 4.69% | 4.45% | 2.95% | 5.79% | 4.96% | 5.08% | 4.78% | +183 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% | 0.05% | 0.62% | 2.55% | 3.04% | 2.52% | -1.37% | -199 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 |