Scottsdale, AZ · Charter 63457
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.28% | -0.13% | -0.06% | 0.08% | 0.02% | -0.44% | -0.23% | -17 bps | |
| Return on Equity | -2.27% | -3.31% | -1.61% | -0.70% | 0.90% | 0.17% | -5.15% | -2.64% | -194 bps | |
| Net Interest Margin | 3.58% | 3.72% | 3.37% | 3.51% | 3.57% | 3.63% | 3.65% | 3.51% | 0 bps | |
| Efficiency Ratio | 96.01% | 95.41% | 94.17% | 92.36% | 89.27% | 88.97% | 87.44% | 90.43% | -193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.95% | 0.49% | 5.73% | -2.94% | -3.90% | -2.38% | -4.53% | -3.36% | -42 bps | |
| Loan Growth (YoY) | -21.48% | -22.91% | -20.21% | -21.47% | -18.92% | -14.68% | -12.74% | -17.26% | +421 bps | |
| Share Growth (YoY) | 4.97% | 1.44% | 6.86% | -3.00% | -4.15% | -2.60% | -4.76% | -3.54% | -54 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.77% | 2.43% | 1.12% | 0.94% | 1.61% | 2.40% | 1.28% | 0.88% | -5 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 | 1.01% | 1.23% | 1.36% | 1.17% | 1.66% | 1.47% | 1.56% | 1.79% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.35% | 8.53% | 8.22% | 8.38% | 8.57% | 8.71% | 8.51% | 8.56% | +18 bps | |
| Net Worth / Assets | 8.35% | 8.53% | 8.22% | 8.38% | 8.57% | 8.71% | 8.51% | 8.56% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.80% | 53.07% | 47.93% | 46.55% | 46.36% | 46.49% | 43.91% | 39.93% | -662 bps | |
| Liquid Assets / Assets | 37.37% | 45.03% | 46.26% | 42.27% | 31.71% | 32.50% | 36.66% | 40.89% | -139 bps | |