Phoenix, AZ · Cert 58288
FDIC
Q1 2007
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | -0.69% | -0.91% | -0.09% | 1.14% | n/a | |
| Return on Equity | n/a | -3.00% | -0.33% | 4.27% | n/a | |
| Net Interest Margin | 2.20% | 3.57% | 4.26% | 4.23% | n/a | |
| Efficiency Ratio | 81.94% | 94.62% | 84.37% | 70.43% | n/a | |
| Non-Interest Burden | n/a | 3.38% | 3.59% | 2.96% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | 0.58% | 0.71% | 0.92% | 0.88% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 29.06% | 30.30% | 29.67% | 28.49% | n/a | |
| Equity / Assets | 32.33% | 28.69% | 26.44% | 27.16% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Deposits | 597% | 840% | 511% | 471% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a |