Phoenix, AZ · Cert 33617
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 16.59% | 5.42% | -46.20% | -310% | n/a | |
| Return on Equity | n/a | 6.92% | -59.56% | -425% | n/a | |
| Net Interest Margin | -0.24% | -0.32% | -0.37% | -0.14% | n/a | |
| Efficiency Ratio | 87.14% | 92.46% | 155.64% | 206% | n/a | |
| Non-Interest Burden | -17.07% | -10.36% | 53.46% | 287% | 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 |