Chandler, AZ · Cert 35188
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 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.
Chandler, AZ · Cert 35188
FDIC
Q4 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 1.77% | 1.48% | 1.34% | 1.25% | +59 bps | |
| Return on Equity | 6.39% | 14.85% | 12.06% | 10.62% | 9.53% | +314 bps | |
| Net Interest Margin | 5.34% | 4.74% | 4.73% | 5.02% | 4.91% | -43 bps | |
| Efficiency Ratio | 82.31% | 59.10% | 65.31% | 67.86% | 71.37% | -1,093 bps | |
| Non-Interest Burden | 4.27% | 2.20% | 2.75% | 3.14% | 3.31% | -97 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.86% | -10.37% | -16.16% | -11.99% | -17.07% | -1,021 bps | |
| Loan Growth (YoY) | -9.63% | -20.05% | -20.43% | -15.44% | -17.65% | -802 bps | |
| Deposit Growth (YoY) | -18.31% | -20.08% | -19.43% | -17.05% | -20.07% | -176 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 1.33% | 1.14% | 1.02% | 1.01% | -28 bps | |
| 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 | 11.97% | 13.26% | 13.54% | 14.11% | 15.43% | +347 bps | |
| Equity / Assets | 11.77% | 12.13% | 13.06% | 13.69% | 15.62% | +385 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 119.13% | 105.61% | 112.07% | 119.84% | 122.74% | +361 bps | |
| Liquid Assets / Assets | 0.45% | 0.41% | 7.54% | 0.45% | 0.39% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |