Casa Grande, AZ · Cert 25333
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Casa Grande, AZ · Cert 25333
FDIC
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.35% | 1.40% | 1.12% | 1.34% | 1.34% | 1.47% | 1.19% | +7 bps | |
| Return on Equity | 16.41% | 17.06% | 17.94% | 15.62% | 18.91% | 18.56% | 19.69% | 13.79% | -183 bps | |
| Net Interest Margin | 4.34% | 4.32% | 4.14% | 4.63% | 4.70% | 4.69% | 4.91% | 4.65% | +2 bps | |
| Efficiency Ratio | 69.66% | 69.74% | 69.61% | 68.86% | 68.15% | 69.25% | 70.11% | 77.36% | +851 bps | |
| Non-Interest Burden | 2.86% | 2.86% | 2.74% | 3.09% | 3.10% | 3.14% | 3.32% | 3.48% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.54% | 19.87% | 22.85% | 30.32% | 22.66% | 16.37% | 0.66% | -7.57% | -3,789 bps | |
| Loan Growth (YoY) | 5.26% | 6.56% | 7.65% | 10.39% | 17.60% | 12.08% | 11.52% | 9.97% | -42 bps | |
| Deposit Growth (YoY) | 17.83% | 23.87% | 16.74% | 26.10% | 16.43% | -1.40% | -2.24% | -11.70% | -3,780 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% | -0.01% | 0.00% | -0.06% | 0.28% | 0.18% | 0.12% | 0.14% | +20 bps | |
| Allowance / Loans | 1.42% | 1.39% | 1.31% | 1.40% | 1.23% | 1.30% | 1.06% | 1.03% | -37 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 | 15.99% | 15.48% | 15.08% | 14.76% | 14.42% | 14.68% | 14.17% | 14.79% | +3 bps | |
| Equity / Assets | 8.30% | 8.04% | 7.44% | 6.92% | 6.87% | 7.68% | 8.37% | 8.83% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.24% | 60.57% | 58.43% | 54.21% | 59.83% | 68.86% | 66.65% | 67.51% | +1,330 bps | |
| Liquid Assets / Assets | 2.86% | 3.09% | 2.44% | 2.42% | 0.88% | 0.76% | 37.32% | 36.94% | +3,452 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |