Phoenix, AZ · Cert 33371
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 131.47% | 108.13% | 232% | 101.79% | 104.18% | 97.24% | 195.04% | 80.48% | -2,131 bps | |
| Return on Equity | 133.23% | 109.58% | 236% | 106.46% | 110.72% | 103.24% | 208% | 85.70% | -2,076 bps | |
| Net Interest Margin | 3.99% | 3.17% | 2.23% | 1.24% | 1.10% | 1.29% | 0.98% | 0.69% | -54 bps | |
| Efficiency Ratio | 54.85% | 55.76% | 38.59% | 56.60% | 54.72% | 53.39% | 38.84% | 57.24% | +64 bps | |
| Non-Interest Burden | -192.63% | -176.36% | -380% | -173.97% | -171.73% | -170.66% | -306% | -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 |