Wellton, AZ · Charter 60373
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
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 | 0.92% | 1.29% | 1.66% | 0.12% | 2.03% | 2.11% | 2.29% | 1.89% | +177 bps | |
| Return on Equity | 8.47% | 11.75% | 15.23% | 1.25% | 22.69% | 22.36% | 23.22% | 19.13% | +1,787 bps | |
| Net Interest Margin | 2.22% | 3.75% | 3.49% | 2.07% | 3.07% | 3.05% | 3.35% | 3.08% | +101 bps | |
| Efficiency Ratio | 58.41% | 31.37% | 29.84% | 52.63% | 33.84% | 30.84% | 31.69% | 38.71% | -1,392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.76% | 11.79% | 14.77% | 22.88% | 27.35% | 24.33% | 21.15% | 15.69% | -719 bps | |
| Loan Growth (YoY) | 0.03% | -3.35% | -2.74% | -8.66% | -9.05% | 1.82% | 6.58% | 9.54% | +1,819 bps | |
| Share Growth (YoY) | 8.64% | 13.93% | 17.19% | 25.87% | 30.58% | 26.22% | 22.15% | 14.78% | -1,109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.06% | 1.06% | 0.00% | 0.00% | 0.00% | 0.00% | 2.88% | +288 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 2.02% | 2.00% | 2.00% | 2.09% | 1.86% | 1.78% | 1.87% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.90% | 10.97% | 10.89% | 9.19% | 8.95% | 9.43% | 9.85% | 9.86% | +67 bps | |
| Net Worth / Assets | 10.90% | 10.97% | 10.89% | 9.19% | 8.95% | 9.43% | 9.85% | 9.86% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.20% | 48.03% | 45.82% | 39.91% | 34.27% | 38.75% | 39.98% | 38.09% | -182 bps | |
| Liquid Assets / Assets | 55.29% | 57.18% | 59.38% | 64.53% | 68.30% | 0.00% | 0.00% | 0.00% | -6,453 bps | |