Scottsdale, AZ · Cert 33986
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 35.49% | 24.85% | 20.00% | 19.19% | 16.37% | 15.85% | 19.69% | 17.34% | -185 bps | |
| Return on Equity | 50.01% | 35.46% | 28.74% | 26.50% | 22.79% | 22.02% | 29.57% | 30.52% | +402 bps | |
| Net Interest Margin | 7.47% | 6.88% | 5.33% | 4.97% | 5.63% | 5.85% | 4.69% | 2.79% | -218 bps | |
| Efficiency Ratio | 53.30% | 60.76% | 58.61% | 59.04% | 64.82% | 66.55% | 69.96% | 75.58% | +1,654 bps | |
| Non-Interest Burden | -45.40% | -27.48% | -29.55% | -27.29% | -21.54% | -19.19% | -23.26% | -24.14% | +315 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 | 17.47% | 65.75% | 14.15% | 12.66% | 12.84% | 9.09% | 1622% | -95.28% | -10,794 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 |