Chandler, AZ · Cert 35188
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.55% | 0.88% | 0.93% | 1.77% | 1.17% | 1.05% | 0.93% | 0 bps | |
| Return on Equity | 3.12% | 5.51% | 8.49% | 8.24% | 14.85% | 9.33% | 7.82% | 6.39% | -185 bps | |
| Net Interest Margin | 4.93% | 5.18% | 4.93% | 4.93% | 4.74% | 4.65% | 4.78% | 4.25% | -68 bps | |
| Efficiency Ratio | 87.85% | 82.61% | 82.35% | 75.51% | 59.10% | 73.00% | 74.04% | 85.19% | +967 bps | |
| Non-Interest Burden | 4.25% | 4.10% | 3.99% | 3.62% | 2.20% | 3.27% | 3.45% | 3.58% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.67% | 18.23% | -6.33% | -6.86% | -10.37% | -16.16% | -11.99% | -17.07% | -1,021 bps | |
| Loan Growth (YoY) | 22.77% | 14.20% | 1.79% | -9.63% | -20.05% | -20.43% | -15.44% | -17.65% | -802 bps | |
| Deposit Growth (YoY) | 11.09% | 4.00% | -18.07% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.30% | 1.27% | 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 | 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 | 10.22% | 10.49% | 11.05% | 11.97% | 13.26% | 13.54% | 14.11% | 15.43% | +347 bps | |
| Equity / Assets | 9.91% | 9.89% | 10.90% | 11.77% | 12.13% | 13.06% | 13.69% | 15.62% | +385 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.57% | 113.48% | 117.56% | 119.13% | 105.61% | 112.07% | 119.84% | 122.74% | +361 bps | |
| Liquid Assets / Assets | 0.00% | 0.26% | 0.10% | 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 | n/a | n/a | n/a |