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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.63% | 2.13% | 3.90% | 5.01% | 5.12% | +249 bps | |
| Return on Equity | 22.37% | 18.58% | 35.18% | 43.31% | 43.01% | +2,064 bps | |
| Net Interest Margin | 9.99% | 9.89% | 10.82% | 11.29% | 11.81% | +183 bps | |
| Efficiency Ratio | 21.87% | 21.42% | 22.07% | 21.66% | 21.79% | -8 bps | |
| Non-Interest Burden | -0.55% | -0.54% | -0.34% | -0.89% | -0.89% | -35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 45.21% | 41.78% | 14.59% | -1.17% | -4.12% | -4,933 bps | |
| Loan Growth (YoY) | 41.60% | 36.28% | 14.41% | -2.10% | -5.30% | -4,689 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 5.25% | 6.03% | 4.28% | 4.81% | 5.14% | -11 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.05% | 11.46% | 12.28% | 12.99% | 13.87% | +182 bps | |
| Equity / Assets | 11.32% | 10.54% | 11.64% | 12.61% | 12.98% | +166 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74451% | 86179% | 79454% | 72794% | 76143% | +169,266 bps | |
| Liquid Assets / Assets | 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 |