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

0.86%Q3 ’020.58%Q3 ’030.74%Q3 ’04-32%-35%

Non-interest income vs. expense

377%Q3 ’02282%Q3 ’03127.76%Q3 ’04-750%-133%

Executive Summary

  • Earnings: ROA of 54.46%, up 3,195 bps year over year; NIM at 0.30%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2004.

Financial Results

Return on Assets (quarter, annualized)

54.46%+3,195 bps YoY

Net Interest Margin (quarter, annualized)

0.30%-16 bps YoY

Efficiency Ratio (quarter, annualized)

59.52%-2,871 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets22.50%29.65%16.07%24.77%54.46%+3,195 bps
Return on Equity31.44%65.18%34.55%44.56%99.03%+6,759 bps
Net Interest Margin0.46%0.45%0.58%0.46%0.30%-16 bps
Efficiency Ratio88.23%76.73%82.27%78.74%59.52%-2,871 bps
Non-Interest Burden-37.19%-59.71%-33.34%-39.89%-86.58%-4,940 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