Scottsdale, AZ · Cert 34431
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.96% | 3.96% | 4.03% | 3.77% | 3.47% | 5.02% | 4.68% | 3.49% | -28 bps | |
| Return on Equity | 37.94% | 40.82% | 40.41% | 36.39% | 32.61% | 40.94% | 35.91% | 25.89% | -1,050 bps | |
| Net Interest Margin | 6.48% | 7.23% | 7.01% | 7.05% | 6.90% | 7.33% | 7.33% | 7.20% | +15 bps | |
| Efficiency Ratio | 34.34% | 33.71% | 31.99% | 31.82% | 33.20% | 29.45% | 31.72% | 35.89% | +407 bps | |
| Non-Interest Burden | 1.50% | 1.86% | 1.67% | 1.64% | 1.70% | 0.69% | 1.28% | 1.69% | +5 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% | -0.01% | -0.01% | 0.67% | 0.02% | 0.00% | 0.68% | +69 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 |