Phoenix, AZ · Cert 57116
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.57% | -1.77% | -0.31% | -1.00% | 0.19% | 0.15% | -1.66% | 1.86% | +286 bps | |
| Return on Equity | n/a | -12.67% | -2.36% | -8.54% | 1.64% | 1.17% | -13.00% | 11.33% | +1,987 bps | |
| Net Interest Margin | 3.96% | 3.34% | 3.31% | 2.21% | 3.26% | 3.81% | 3.28% | -5.89% | -810 bps | |
| Efficiency Ratio | 219% | 124.54% | 98.15% | 110.62% | 69.56% | 65.88% | 152.18% | 67.19% | -4,342 bps | |
| Non-Interest Burden | 8.91% | 4.23% | 3.24% | 2.46% | 2.23% | 2.47% | 5.08% | -6.49% | -895 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 1127% | 120.63% | 99.74% | 43.26% | 34.37% | -109,213 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 888% | 160.66% | 116.63% | 112.60% | 41.90% | -84,586 bps | |
| Deposit Growth (YoY) | n/a | n/a | n/a | 51448% | 113.51% | 104.81% | 43.48% | 21.76% | -5,142,586 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 | 1.70% | 1.70% | 1.70% | 1.70% | 1.70% | 1.71% | 1.75% | 1.94% | +24 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 | 20.69% | 18.09% | 19.02% | 16.55% | 15.72% | 16.52% | 14.75% | 14.13% | -242 bps | |
| Equity / Assets | 13.89% | 14.10% | 12.34% | 11.23% | 11.38% | 13.28% | 12.33% | 19.96% | +873 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.61% | 94.15% | 70.93% | 75.00% | 87.42% | 99.58% | 105.09% | 87.40% | +1,241 bps | |
| Liquid Assets / Assets | 0.00% | 0.16% | 0.11% | 0.09% | 0.09% | 0.08% | 0.08% | 0.07% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |