Chandler, AZ · Cert 27508
FDIC
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.07% | 0.96% | 0.25% | -0.94% | -2.66% | -3.03% | -17.63% | -1,787 bps | |
| Return on Equity | 13.87% | 12.94% | 11.90% | 3.25% | -12.01% | -33.86% | -38.63% | -268% | -27,077 bps | |
| Net Interest Margin | 5.83% | 5.26% | 4.79% | 5.00% | 4.92% | 5.11% | 4.86% | 4.09% | -91 bps | |
| Efficiency Ratio | 78.73% | 79.50% | 79.65% | 85.81% | 112.29% | 153.05% | 139.40% | 144.27% | +5,846 bps | |
| Non-Interest Burden | 3.66% | 3.41% | 3.10% | 3.90% | 5.80% | 8.19% | 6.85% | 6.53% | +263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | 12.02% | 25.07% | 31.38% | 20.31% | 13.59% | 5.98% | 2.51% | -2,886 bps | |
| Loan Growth (YoY) | 8.72% | 12.64% | 27.00% | 31.69% | 19.67% | 11.45% | 5.78% | 6.25% | -2,544 bps | |
| Deposit Growth (YoY) | 9.14% | 9.01% | 18.86% | 27.40% | 20.05% | 10.06% | 3.23% | -9.79% | -3,719 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 | 0.06% | 0.04% | 0.04% | 0.04% | 0.28% | 0.95% | 1.98% | 6.41% | +637 bps | |
| Allowance / Loans | 0.70% | 0.67% | 0.72% | 0.99% | 1.04% | 1.06% | 1.77% | 3.91% | +292 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 | 10.83% | 10.46% | 10.03% | 10.40% | 10.78% | 10.24% | 9.05% | 6.36% | -404 bps | |
| Equity / Assets | 8.49% | 7.84% | 7.32% | 7.89% | 8.19% | 8.00% | 7.88% | 5.17% | -272 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 122.19% | 133.52% | 146.98% | 120.23% | 121.80% | 135.21% | 150.62% | 141.61% | +2,137 bps | |
| Liquid Assets / Assets | 0.26% | 0.20% | 0.18% | 0.20% | 0.18% | 0.16% | 0.41% | 1.05% | +85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |