Scottsdale, AZ · Cert 33986
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Scottsdale, AZ · Cert 33986
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.50% | 24.85% | 22.86% | 21.62% | 20.31% | 15.85% | 18.19% | 17.50% | -412 bps | |
| Return on Equity | 17.44% | 35.46% | 32.21% | 30.36% | 28.49% | 22.02% | 26.55% | 26.36% | -400 bps | |
| Net Interest Margin | 30.31% | 6.88% | 6.50% | 5.97% | 5.97% | 5.85% | 6.30% | 6.10% | +13 bps | |
| Efficiency Ratio | 63.52% | 60.76% | 59.76% | 59.55% | 60.74% | 66.55% | 68.18% | 70.52% | +1,097 bps | |
| Non-Interest Burden | -21.32% | -27.48% | -30.08% | -29.06% | -27.59% | -19.19% | -24.59% | -28.23% | +84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -76.99% | -67.85% | -65.74% | 9.50% | 5.31% | -10.88% | -41.46% | -43.55% | -5,304 bps | |
| Loan Growth (YoY) | -87.17% | -85.56% | -88.86% | -35.15% | -39.09% | -38.87% | -98.26% | -97.94% | -6,280 bps | |
| Deposit Growth (YoY) | -99.16% | -99.15% | -99.18% | -43.42% | -45.73% | -52.30% | -40.81% | -37.29% | +613 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 144.03% | 65.75% | 53.51% | 40.84% | 34.73% | 9.09% | 1036% | 569% | +52,779 bps | |
| Allowance / Loans | 31.15% | 15.44% | 19.58% | 19.05% | 17.05% | 15.22% | 12.35% | 17.60% | -145 bps | |
| 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 | 140.04% | 115.84% | 127.53% | 140.28% | 113.63% | 125.93% | 142.69% | 169.26% | +2,898 bps | |
| Equity / Assets | 73.99% | 66.69% | 72.79% | 72.04% | 71.59% | 72.36% | 56.85% | 56.78% | -1,526 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 1444% | 1445% | 1319% | 1544% | 1621% | 1851% | 38.79% | 50.63% | -149,322 bps | |
| Liquid Assets / Assets | 0.74% | 0.63% | 0.63% | 0.62% | 0.56% | 0.57% | 0.89% | 0.92% | +30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |