Phoenix, AZ · Charter 68526
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 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 68526
Q1 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 0.35% | 0.46% | 0.54% | 0.47% | 0.34% | 0.33% | 0.76% | +22 bps | |
| Return on Equity | 4.40% | 5.44% | 6.30% | 5.45% | 3.99% | 3.79% | 8.92% | +262 bps | |
| Net Interest Margin | 3.84% | 3.97% | 4.21% | 4.08% | 3.98% | 3.99% | 3.82% | -39 bps | |
| Efficiency Ratio | 82.74% | 82.80% | 79.45% | 80.53% | 82.27% | 82.37% | 79.73% | +28 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 0.43% | 1.95% | 5.97% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -13.98% | -9.72% | -4.39% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -0.02% | 1.82% | 6.00% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 1.02% | 0.97% | 1.12% | 0.86% | 0.66% | 0.78% | 0.83% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.00% | 1.14% | 1.07% | 1.13% | 1.16% | 1.20% | +7 bps | |
| Capital | |||||||||
| Risk-Based Capital | 8.05% | 8.44% | 8.59% | 8.61% | 8.45% | 8.61% | 8.49% | -11 bps | |
| Net Worth / Assets | 8.05% | 8.44% | 8.59% | 8.61% | 8.45% | 8.61% | 8.49% | -11 bps | |
| Liquidity & Funding | |||||||||
| Loans / Shares | 65.18% | 63.97% | 61.77% | 59.53% | 56.08% | 56.71% | 55.72% | -605 bps | |
| Liquid Assets / Assets | 14.24% | 14.34% | 8.03% | 9.91% | 16.79% | 11.49% | 12.46% | +443 bps | |