Phoenix, AZ · Cert 33617
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 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 33617
FDIC
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 16.59% | 10.51% | -8.25% | -151.70% | n/a | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | -0.24% | -0.28% | -0.30% | -0.28% | n/a | |
| Efficiency Ratio | 87.14% | 89.91% | 108.69% | 131.59% | n/a | |
| Non-Interest Burden | -17.07% | -13.16% | 9.51% | 79.77% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Nonperforming Loans / Loans | 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 |
| Allowance / Loans | 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 |
| Capital | ||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 30.78% | 30.61% | 51.69% | 61.01% | n/a | |
| Equity / Assets | 79.71% | 76.96% | 78.06% | 59.96% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 4.45% | 4.24% | 0.35% | 19.25% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a |