Scottsdale, AZ · Cert 57469
FDIC
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | -1.35% | -0.30% | 0.65% | 0.56% | 0.89% | 1.17% | -0.56% | -121 bps | |
| Return on Equity | 8.23% | -7.98% | -1.48% | 3.62% | 3.18% | 5.15% | 7.42% | -3.89% | -752 bps | |
| Net Interest Margin | 4.87% | -5.82% | 3.11% | 4.12% | 4.67% | 5.41% | 4.79% | 3.73% | -40 bps | |
| Efficiency Ratio | 66.38% | 67.16% | 98.70% | 71.52% | 68.26% | 60.79% | 56.30% | 68.35% | -316 bps | |
| Non-Interest Burden | 2.75% | -3.23% | 3.22% | 2.70% | 2.97% | 3.07% | 2.57% | 2.51% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 54.80% | 88.48% | 82.13% | 76.20% | 91.21% | 50.26% | 59.55% | 54.70% | -2,150 bps | |
| Loan Growth (YoY) | 76.75% | 46.25% | 73.63% | 90.40% | 78.74% | 93.60% | 68.01% | 55.91% | -3,450 bps | |
| Deposit Growth (YoY) | 57.96% | 79.60% | 65.64% | 47.71% | 63.80% | 39.67% | 66.28% | 53.78% | +607 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% | 0.08% | +8 bps | |
| Allowance / Loans | 0.67% | 0.68% | 0.67% | 0.69% | 0.81% | 0.93% | 1.09% | 1.60% | +91 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 | 12.43% | 12.32% | 10.45% | 9.68% | 11.88% | 10.76% | 10.95% | 10.36% | +68 bps | |
| Equity / Assets | 10.99% | 21.17% | 19.03% | 17.12% | 18.02% | 16.75% | 14.91% | 13.77% | -335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.52% | 86.42% | 95.51% | 107.15% | 112.96% | 119.79% | 96.50% | 108.63% | +148 bps | |
| Liquid Assets / Assets | 5.57% | 2.01% | 1.81% | 0.05% | 0.03% | 0.11% | 0.06% | 0.12% | +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 |