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Home National Bank

Scottsdale, AZ · Cert 34327

FDIC

Q4 2001

$66.0MAssets
$48.1MLoans
$50.1MDeposits
$5.9MEquity
Deposit mix
86%Interest-bearing $43.1M14%Noninterest $7.0MQ4 2000Q4 2001

NIM

8.46%Q1 ’017.96%Q3 ’017.32%Q4 ’01+14%+3%

Non-interest income vs. expense

4.59%Q1 ’014.94%Q3 ’014.97%Q4 ’01+10%-1%

Executive Summary

  • Earnings: ROA of -0.79%, down 95 bps year over year; NIM at 4.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 96.09% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

-0.79%-95 bps YoY

Net Interest Margin (quarter, annualized)

4.40%

Efficiency Ratio (quarter, annualized)

106.58%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.16%0.25%1-1.20%-0.50%-0.79%-95 bps
Return on Equityn/an/a-12.38%-4.70%-8.10%n/a
Net Interest Marginn/a3.73%3.46%4.26%4.40%n/a
Efficiency Ration/a115.21%132.48%111.15%106.58%n/a
Non-Interest Burdenn/a4.34%4.61%4.76%4.71%n/a
Growth
Asset Growth (YoY)45.55%37.08%31.74%17.35%39.31%-624 bps
Loan Growth (YoY)34.99%12.16%13.94%45.38%90.90%+5,591 bps
Deposit Growth (YoY)38.70%42.61%24.36%11.59%32.35%-635 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.00%0.33%0.00%n/a
Allowance / Loansn/a1.08%0.98%0.68%0.78%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a12.14%16.13%12.89%10.38%n/a
Equity / Assetsn/a8.52%10.68%10.62%8.91%n/a
Liquidity & Funding
Loans / Deposits66.62%57.47%57.19%77.10%96.09%+2,947 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a