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Letter portraitLegal landscapeQuarterYTD

First Fidelity Bank, National Association

Phoenix, AZ · Cert 58288

FDIC

Q1 2007

$54.8MAssets
$50.0MLoans
$10.6MDeposits
$14.9MEquity
Deposit mix
73%Interest-bearing $7.7M27%Noninterest $2.9MQ2 2006Q1 2007

NIM

4.07%Q2 ’065.21%Q4 ’067.70%Q1 ’07+15%+47%

Non-interest income vs. expense

2.06%Q2 ’062.52%Q4 ’063.03%Q1 ’07+21%+19%

Executive Summary

  • Earnings: ROA of 1.14%; NIM at 4.23%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Funding: loans stand at 470.87% of deposits as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

1.14%

Net Interest Margin (YTD, annualized)

4.23%

Efficiency Ratio (YTD, annualized)

70.43%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets-0.69%-0.70%-0.51%1.14%n/a
Return on Equityn/an/an/a4.27%n/an/a
Net Interest Margin2.52%2.55%2.88%4.23%n/a
Efficiency Ratio81.94%87.89%86.58%70.43%n/a
Non-Interest Burden2.06%2.24%2.49%2.96%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/a
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%n/a
Allowance / Loans0.58%0.71%0.92%0.88%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a
Total Risk-Based Capital29.06%30.30%29.67%28.49%n/a
Equity / Assets32.33%28.69%26.44%27.16%n/a
Liquidity & Funding
Loans / Deposits597%840%511%471%n/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%n/a
CRE / Total Capitaln/an/an/an/an/an/a