Phoenix, AZ · Charter 64344
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 64344
Q3 2002
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.20% | 0.00% | 0.18% | -0.17% | -1.17% | 1.47% | 1.54% | +136 bps | |
| Return on Equity | n/a | n/a | n/a | 3.17% | -2.97% | -22.86% | 22.41% | 21.79% | +1,863 bps | |
| Net Interest Margin | 4.03% | 4.04% | 4.02% | 3.99% | 3.66% | 3.99% | 7.02% | 7.26% | +327 bps | |
| Efficiency Ratio | 83.79% | 89.28% | 96.68% | 90.41% | 103.91% | 92.85% | 73.92% | 73.40% | -1,701 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.29% | 10.62% | 5.41% | 6.65% | 2.78% | 1.12% | -10.60% | -19.69% | -2,634 bps | |
| Loan Growth (YoY) | 8.23% | 20.31% | 16.33% | 37.56% | 24.31% | 50.68% | 50.54% | 15.76% | -2,179 bps | |
| Share Growth (YoY) | 12.82% | 11.30% | 5.05% | 6.82% | 9.55% | 2.96% | -12.24% | -22.16% | -2,898 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.82% | 3.08% | 1.86% | 3.85% | 3.87% | 4.10% | 1.03% | 2.97% | -88 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 | 1.31% | 1.47% | 1.50% | 1.24% | 1.22% | 2.75% | 1.19% | 1.47% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 5.83% | 5.71% | 5.12% | 6.55% | 7.07% | +123 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 5.83% | 5.71% | 5.12% | 6.55% | 7.07% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.34% | 56.23% | 56.60% | 62.53% | 62.80% | 82.28% | 97.08% | 92.99% | +3,046 bps | |
| Liquid Assets / Assets | 43.25% | 43.72% | 44.29% | 38.52% | 38.07% | 20.57% | 8.22% | 12.46% | -2,606 bps | |