Phoenix, AZ · Charter 7335
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 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 7335
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.91% | 0.66% | 0.78% | 0.80% | 0.84% | 0.85% | 0.86% | +9 bps | |
| Return on Equity | n/a | 7.42% | 5.69% | 6.70% | 7.24% | 7.55% | 7.97% | 8.09% | +139 bps | |
| Net Interest Margin | 4.54% | 4.66% | 4.23% | 4.23% | 4.01% | 3.95% | 3.90% | 3.88% | -35 bps | |
| Efficiency Ratio | 69.65% | 71.16% | 76.45% | 76.00% | 76.11% | 75.87% | 74.89% | 75.21% | -79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 4.91% | 8.04% | 9.74% | 15.58% | 20.33% | 18.19% | 18.45% | +872 bps | |
| Loan Growth (YoY) | 16.55% | 16.65% | 13.79% | 11.41% | 8.84% | 4.13% | 4.16% | 8.78% | -263 bps | |
| Share Growth (YoY) | 2.28% | 4.07% | 7.97% | 10.00% | 18.89% | 22.37% | 19.67% | 20.01% | +1,001 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.31% | 0.23% | 0.25% | 0.27% | 0.39% | 0.43% | 0.74% | +49 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 | 1.22% | 1.25% | 1.30% | 1.34% | 1.38% | 1.43% | 1.40% | 1.35% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 12.33% | 11.56% | 11.57% | 11.12% | 11.09% | 10.64% | 10.64% | -93 bps | |
| Net Worth / Assets | n/a | 12.33% | 11.56% | 11.57% | 11.12% | 11.09% | 10.64% | 10.64% | -93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.59% | 97.05% | 89.49% | 90.05% | 86.59% | 82.58% | 77.89% | 81.63% | -842 bps | |
| Liquid Assets / Assets | 8.61% | 8.80% | 13.17% | 17.20% | 19.90% | 22.11% | 25.58% | 17.81% | +60 bps | |