PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dillard National Bank

Gilbert, AZ · Cert 33442

FDIC

Q3 2004

$26.0MAssets
n/aLoans
$7.4MDeposits
$17.4MEquity
Deposit mix
100%Interest-bearing $7.4M0%Noninterest $0.0MQ3 2003Q3 2004

NIM

0.80%Q3 ’020.49%Q3 ’030.67%Q3 ’04-34%+28%

Non-interest income vs. expense

362%Q3 ’02283%Q3 ’03149.95%Q3 ’04-1837%-97%

Executive Summary

  • Earnings: ROA of 28.83%, up 1,278 bps year over year; NIM at 0.46%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

28.83%+1,278 bps YoY

Net Interest Margin (YTD, annualized)

0.46%+10 bps YoY

Efficiency Ratio (YTD, annualized)

73.18%-1,781 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets16.05%19.32%16.07%18.67%28.83%+1,278 bps
Return on Equity23.90%35.35%34.55%40.57%57.51%+3,361 bps
Net Interest Margin0.36%0.30%0.58%0.52%0.46%+10 bps
Efficiency Ratio91.00%86.85%82.27%80.51%73.18%-1,781 bps
Non-Interest Burden-27.68%-28.94%-33.34%-36.66%-54.48%-2,680 bps
Growth
Asset Growth (YoY)19.14%140.50%44.09%63.84%31.06%+1,192 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)-5.59%774%42.42%549%315%+32,055 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/a0.00%n/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital178.93%102.38%153.26%107.87%160.14%-1,879 bps
Equity / Assets71.83%34.69%67.67%44.79%66.87%-496 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets58.82%0.45%0.79%0.68%0.79%-5,803 bps
CRE / Total Capitaln/an/an/an/an/an/an/a