Phoenix, AZ · Cert 27595
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Phoenix, AZ · Cert 27595
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.06% | 3.54% | 2.51% | 2.63% | 2.13% | 3.90% | 5.01% | 5.12% | +249 bps | |
| Return on Equity | 32.48% | 29.69% | 21.10% | 22.37% | 18.58% | 35.18% | 43.31% | 43.01% | +2,064 bps | |
| Net Interest Margin | 10.21% | 10.25% | 9.59% | 9.99% | 9.89% | 10.82% | 11.29% | 11.81% | +183 bps | |
| Efficiency Ratio | 18.29% | 18.44% | 22.28% | 21.87% | 21.42% | 22.07% | 21.66% | 21.79% | -8 bps | |
| Non-Interest Burden | -0.90% | -1.01% | -0.46% | -0.55% | -0.54% | -0.34% | -0.89% | -0.89% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.68% | 47.28% | 45.94% | 45.21% | 41.78% | 14.59% | -1.17% | -4.12% | -4,933 bps | |
| Loan Growth (YoY) | 25.72% | 42.13% | 41.80% | 41.60% | 36.28% | 14.41% | -2.10% | -5.30% | -4,689 bps | |
| Deposit Growth (YoY) | 13.12% | 587% | 1495% | 1328% | 1070% | 91.39% | -12.25% | -7.40% | -133,494 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 | 4.43% | 5.62% | 5.44% | 5.25% | 6.03% | 4.28% | 4.81% | 5.14% | -11 bps | |
| Allowance / Loans | 4.94% | 5.17% | 5.44% | 5.56% | 5.49% | 5.73% | 5.90% | 5.43% | -13 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 | 11.93% | 15.01% | 12.54% | 12.05% | 11.46% | 12.28% | 12.99% | 13.87% | +182 bps | |
| Equity / Assets | 8.95% | 14.32% | 11.93% | 11.32% | 10.54% | 11.64% | 12.61% | 12.98% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 740145% | 132916% | 65253% | 74451% | 86179% | 79454% | 72794% | 76143% | +169,266 bps | |
| Liquid Assets / Assets | 0.00% | 0.14% | 0.42% | 0.38% | 0.73% | 1.00% | 0.65% | 0.36% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |