Gilbert, AZ · Cert 33442
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 41.02% | 11.36% | 14.89% | 22.50% | 29.65% | 16.07% | 24.77% | 54.46% | +3,195 bps | |
| Return on Equity | 64.25% | 18.09% | 21.62% | 31.44% | 65.18% | 34.55% | 44.56% | 99.03% | +6,759 bps | |
| Net Interest Margin | 0.47% | 0.24% | 0.45% | 0.46% | 0.45% | 0.58% | 0.46% | 0.30% | -16 bps | |
| Efficiency Ratio | 81.68% | 93.49% | 91.38% | 88.23% | 76.73% | 82.27% | 78.74% | 59.52% | -2,871 bps | |
| Non-Interest Burden | -72.01% | -21.50% | -29.31% | -37.19% | -59.71% | -33.34% | -39.89% | -86.58% | -4,940 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.58% | 19.49% | 10.22% | 19.14% | 140.50% | 44.09% | 63.84% | 31.06% | +1,192 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) | 140.31% | 167.64% | 44.28% | -5.59% | 774% | 42.42% | 549% | 315% | +32,055 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 | 0.00% | 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 | 153.67% | 152.48% | 158.89% | 178.93% | 102.38% | 153.26% | 107.87% | 160.14% | -1,879 bps | |
| Equity / Assets | 59.31% | 66.52% | 71.30% | 71.83% | 34.69% | 67.67% | 44.79% | 66.87% | -496 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 | 1.10% | 1.15% | 1.17% | 58.82% | 0.45% | 0.79% | 0.68% | 0.79% | -5,803 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |