Phoenix, AZ · Cert 34142
FDIC
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.21% | 3.06% | 2.26% | 2.21% | 1.36% | -85 bps | |
| Return on Equity | n/a | n/a | 2.29% | 2.24% | 1.38% | n/a | |
| Net Interest Margin | n/a | 4.46% | 3.44% | 2.88% | 1.90% | n/a | |
| Efficiency Ratio | n/a | 34.77% | 35.34% | 35.78% | 50.99% | n/a | |
| Non-Interest Burden | n/a | -0.68% | -0.39% | -0.87% | -0.39% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.74% | 1.61% | 2.08% | 1.87% | 2.78% | +104 bps | |
| Loan Growth (YoY) | n/a | 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 | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | 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 | n/a |
| Allowance / Loans | n/a | 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 | 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 | n/a | 489% | 485% | 492% | 484% | n/a | |
| Equity / Assets | n/a | 99.00% | 98.79% | 98.66% | 98.67% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 75.21% | 75.45% | 76.45% | 76.28% | +7,628 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |