Phoenix, AZ · Cert 33371
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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 33371
FDIC
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 113.09% | 108.61% | 145.97% | 101.79% | 105.05% | 103.48% | 128.42% | 80.48% | -2,131 bps | |
| Return on Equity | n/a | n/a | n/a | 106.46% | 110.55% | 109.11% | 135.90% | 85.70% | -2,076 bps | |
| Net Interest Margin | 3.74% | 3.56% | 3.37% | 1.24% | 1.05% | 1.17% | 1.09% | 0.69% | -54 bps | |
| Efficiency Ratio | 60.26% | 58.75% | 52.16% | 56.60% | 55.59% | 54.86% | 49.76% | 57.24% | +64 bps | |
| Non-Interest Burden | -156.36% | -163.23% | -224% | -173.97% | -156.80% | -167.02% | -196.76% | -135.24% | +3,873 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.74% | 16.93% | -0.72% | 8.03% | 24.25% | -7.12% | 21.24% | 9.03% | +101 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 400% | 400% | 400% | 400% | 0.00% | -40,000 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 340% | 384% | 199.91% | 240% | 333% | 306% | 190.25% | 390% | +15,009 bps | |
| Equity / Assets | 98.59% | 98.75% | 97.63% | 94.13% | 94.06% | 94.32% | 93.04% | 94.63% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 1.33% | 1.01% | 1.52% | 1.12% | 1.07% | 1.09% | 1.25% | 0.00% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |