Phoenix, AZ · Charter 63785
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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 63785
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | -2.32% | -4.19% | -3.00% | -15.38% | 5.49% | -4.10% | -7.76% | -476 bps | |
| Return on Equity | 15.83% | -32.95% | -78.06% | -42.70% | -364% | 49.74% | -66.33% | -299% | -25,595 bps | |
| Net Interest Margin | 6.06% | 6.50% | 6.41% | 7.46% | 7.12% | 7.39% | 7.68% | 8.31% | +84 bps | |
| Efficiency Ratio | 65.52% | 70.48% | 72.52% | 69.50% | 99.15% | 88.08% | 88.17% | 91.79% | +2,229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.27% | -0.01% | -6.48% | -21.00% | -33.46% | -33.20% | -35.45% | -32.20% | -1,120 bps | |
| Loan Growth (YoY) | -6.00% | -14.83% | -17.55% | -23.61% | -34.28% | -30.99% | -33.33% | -29.27% | -566 bps | |
| Share Growth (YoY) | 6.54% | 10.90% | -3.50% | -19.98% | -30.15% | -35.50% | -35.89% | -29.04% | -906 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.99% | 3.57% | 7.56% | 2.64% | 9.09% | 8.11% | 4.86% | 6.29% | +364 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 | 1.76% | 1.85% | 4.47% | 5.20% | 5.71% | 2.15% | 7.03% | 9.75% | +455 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.99% | 7.03% | 5.37% | 7.02% | 4.23% | 11.04% | 6.17% | 2.60% | -443 bps | |
| Net Worth / Assets | 7.99% | 7.03% | 5.37% | 7.02% | 4.23% | 11.04% | 6.17% | 2.60% | -443 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.47% | 86.40% | 82.85% | 90.05% | 85.12% | 92.45% | 86.16% | 89.76% | -29 bps | |
| Liquid Assets / Assets | 14.27% | 14.12% | 19.49% | 16.15% | 16.73% | 0.00% | 0.00% | 0.00% | -1,615 bps | |