Chandler, AZ · Charter 63506
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.61% | 0.72% | 2.52% | -8.91% | -4.67% | -3.99% | -9.83% | -1,234 bps | |
| Return on Equity | 3.77% | 6.82% | 7.19% | 20.50% | -100.63% | -43.76% | -35.30% | -95.91% | -11,642 bps | |
| Net Interest Margin | 5.05% | 5.36% | 6.12% | 6.53% | 6.23% | 6.82% | 6.60% | 5.88% | -65 bps | |
| Efficiency Ratio | 48.62% | 54.99% | 54.91% | 47.15% | 67.63% | 56.59% | 66.51% | 77.81% | +3,065 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.97% | -20.89% | -28.57% | -28.93% | -35.50% | -36.57% | -33.08% | -36.62% | -769 bps | |
| Loan Growth (YoY) | -5.98% | -5.00% | -13.70% | -17.05% | -23.23% | -31.03% | -32.53% | -36.99% | -1,994 bps | |
| Share Growth (YoY) | -17.29% | -27.72% | -30.88% | -32.52% | -31.74% | -33.47% | -34.11% | -35.21% | -268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.47% | 3.00% | 5.69% | 17.16% | 10.97% | 12.77% | 16.17% | 7.43% | -973 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 | 2.34% | 0.12% | 0.44% | 0.35% | 4.81% | 3.81% | 5.02% | 5.66% | +531 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.33% | 9.02% | 9.96% | 12.27% | 8.85% | 10.66% | 11.30% | 10.25% | -202 bps | |
| Net Worth / Assets | 8.33% | 9.02% | 9.96% | 12.27% | 8.85% | 10.66% | 11.30% | 10.25% | -202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.74% | 82.25% | 79.49% | 83.46% | 90.81% | 85.27% | 81.40% | 81.16% | -230 bps | |
| Liquid Assets / Assets | 10.18% | 27.38% | 25.41% | 6.65% | 18.13% | 24.13% | 27.77% | 28.61% | +2,196 bps | |