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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 21.62% | 20.31% | 15.85% | 18.19% | 17.50% | -412 bps | |
| Return on Equity | 30.36% | 28.49% | 22.02% | 26.55% | 26.36% | -400 bps | |
| Net Interest Margin | 5.97% | 5.97% | 5.85% | 6.30% | 6.10% | +13 bps | |
| Efficiency Ratio | 59.55% | 60.74% | 66.55% | 68.18% | 70.52% | +1,097 bps | |
| Non-Interest Burden | -29.06% | -27.59% | -19.19% | -24.59% | -28.23% | +84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.50% | 5.31% | -10.88% | -41.46% | -43.55% | -5,304 bps | |
| Loan Growth (YoY) | -35.15% | -39.09% | -38.87% | -98.26% | -97.94% | -6,280 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 40.84% | 34.73% | 9.09% | 1036% | 569% | +52,779 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 140.28% | 113.63% | 125.93% | 142.69% | 169.26% | +2,898 bps | |
| Equity / Assets | 72.04% | 71.59% | 72.36% | 56.85% | 56.78% | -1,526 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 1544% | 1621% | 1851% | 38.79% | 50.63% | -149,322 bps | |
| Liquid Assets / Assets | 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 |