Scottsdale, AZ · Cert 34431
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.86% | 3.96% | 4.03% | 3.21% | 2.60% | 5.02% | 4.26% | 0.90% | -231 bps | |
| Return on Equity | 29.49% | 40.82% | 40.06% | 29.12% | 22.34% | 40.94% | 30.98% | 6.07% | -2,306 bps | |
| Net Interest Margin | 6.98% | 7.23% | 7.39% | 6.88% | 6.64% | 7.33% | 7.28% | 6.13% | -75 bps | |
| Efficiency Ratio | 34.45% | 33.71% | 30.45% | 31.48% | 37.50% | 29.45% | 34.33% | 46.87% | +1,540 bps | |
| Non-Interest Burden | 1.65% | 1.86% | 1.63% | 1.51% | 1.93% | 0.69% | 1.87% | 2.36% | +85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 65.83% | 57.19% | 48.41% | 16.15% | 12.11% | -1.95% | -12.64% | -12.89% | -2,904 bps | |
| Loan Growth (YoY) | 44.46% | 40.59% | 39.98% | 37.64% | 18.60% | 2.81% | -4.11% | -17.77% | -5,541 bps | |
| Deposit Growth (YoY) | 73.66% | 60.79% | 48.95% | 13.77% | 9.62% | -5.94% | -17.02% | -16.38% | -3,015 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 | -0.03% | 0.00% | -0.02% | -0.02% | 2.72% | 0.02% | -0.01% | 2.05% | +207 bps | |
| Allowance / Loans | 3.96% | 3.92% | 4.35% | 4.69% | 4.89% | 5.40% | 5.96% | 6.86% | +217 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 | 12.42% | 12.81% | 12.27% | 12.68% | 13.81% | 14.98% | 16.66% | 17.42% | +474 bps | |
| Equity / Assets | 9.77% | 9.62% | 10.48% | 11.57% | 11.71% | 12.81% | 14.82% | 14.96% | +339 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.49% | 88.49% | 91.60% | 102.63% | 95.74% | 96.72% | 105.86% | 100.93% | -170 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |