Tempe, AZ · Cert 34952
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tempe, AZ · Cert 34952
FDIC
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.27% | 0.24% | 0.90% | 0.99% | 0.96% | 1.69% | 0.53% | -38 bps | |
| Return on Equity | 1.15% | 2.94% | 2.49% | 7.26% | 7.53% | 7.01% | 11.89% | 2.94% | -432 bps | |
| Net Interest Margin | 3.49% | 3.59% | 3.87% | 4.32% | 4.40% | 4.63% | 4.77% | 5.07% | +75 bps | |
| Efficiency Ratio | 93.42% | 89.88% | 91.78% | 80.24% | 77.54% | 78.56% | 76.80% | 88.54% | +830 bps | |
| Non-Interest Burden | 3.25% | 3.21% | 3.54% | 3.42% | 3.37% | 3.60% | 3.62% | 4.47% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.01% | -1.71% | -5.48% | -11.16% | -7.83% | -9.16% | -15.33% | -14.95% | -379 bps | |
| Loan Growth (YoY) | 11.29% | -3.30% | -6.83% | -12.60% | -17.96% | -15.62% | -11.86% | -19.16% | -656 bps | |
| Deposit Growth (YoY) | 9.12% | -3.90% | -8.20% | -17.33% | -12.64% | -13.72% | -21.47% | -19.29% | -196 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 | 0.05% | 0.21% | 0.20% | 0.13% | 0.10% | 0.03% | 0.08% | -0.02% | -15 bps | |
| Allowance / Loans | 1.49% | 1.46% | 1.52% | 1.52% | 1.61% | 1.68% | 1.33% | 1.50% | -2 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 | 12.97% | 14.23% | 14.60% | 17.31% | 18.48% | 18.54% | 19.48% | 20.66% | +335 bps | |
| Equity / Assets | 9.85% | 10.75% | 10.50% | 14.68% | 14.46% | 15.19% | 16.93% | 19.11% | +443 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.33% | 92.54% | 84.83% | 98.21% | 88.58% | 90.50% | 95.21% | 98.38% | +16 bps | |
| Liquid Assets / Assets | 0.12% | 0.13% | 0.12% | 0.14% | 0.14% | 0.14% | 0.15% | 0.00% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |