Phoenix, AZ · Charter 63269
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Phoenix, AZ · Charter 63269
Q4 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.02% | -0.99% | -0.36% | -0.49% | 0.23% | 0.91% | 0.35% | +70 bps | |
| Return on Equity | -0.26% | 0.17% | -12.02% | -4.10% | -5.83% | 2.69% | 9.91% | 3.71% | +781 bps | |
| Net Interest Margin | 4.81% | 4.61% | 4.63% | 4.60% | 4.35% | 4.42% | 4.46% | 4.70% | +9 bps | |
| Efficiency Ratio | 69.30% | 71.53% | 70.00% | 73.03% | 74.88% | 77.02% | 81.42% | 84.51% | +1,148 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.37% | 1.83% | 5.26% | 3.22% | 4.03% | 1.17% | 1.89% | -4.15% | -736 bps | |
| Loan Growth (YoY) | 0.37% | -1.21% | -8.73% | -6.23% | -6.37% | -3.83% | 5.04% | -2.54% | +369 bps | |
| Share Growth (YoY) | 2.34% | 2.79% | 7.84% | 3.85% | 4.92% | 1.43% | 0.29% | -5.23% | -908 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.96% | 4.11% | 2.54% | 3.48% | 2.12% | 1.85% | 0.95% | 1.12% | -235 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 | 2.49% | 2.74% | 3.58% | 2.96% | 3.11% | 2.95% | 1.75% | 2.02% | -94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.23% | 8.94% | 8.26% | 8.67% | 8.40% | 8.60% | 9.18% | 9.40% | +72 bps | |
| Net Worth / Assets | 9.23% | 8.94% | 8.26% | 8.67% | 8.40% | 8.60% | 9.18% | 9.40% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.35% | 62.34% | 60.13% | 60.83% | 58.32% | 59.10% | 62.98% | 62.55% | +172 bps | |
| Liquid Assets / Assets | 13.87% | 17.07% | 12.99% | 12.55% | 9.73% | 38.43% | 8.16% | 21.46% | +891 bps | |