Phoenix, AZ · Charter 7530
Q3 1999
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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.69% | 4.94% | 4.73% | 4.70% | 4.53% | 4.41% | 4.44% | 1.32% | -338 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.89% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 72.50% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.09% | 7.33% | 8.33% | 9.89% | 11.68% | 10.52% | 10.76% | 8.70% | -119 bps | |
| Loan Growth (YoY) | 13.39% | 13.17% | 11.09% | 9.45% | 10.00% | 8.41% | 9.24% | 8.29% | -116 bps | |
| Share Growth (YoY) | 5.65% | 5.88% | 7.15% | 8.96% | 11.47% | 10.18% | 10.49% | 8.92% | -3 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.06% | 0.05% | 0.06% | 0.07% | 0.07% | 0.06% | 0.04% | -2 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 | 0.59% | 0.55% | 0.51% | 0.47% | 0.43% | 0.41% | 0.39% | 0.38% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.93% | 80.35% | 79.98% | 81.22% | 78.87% | 79.05% | 79.07% | 80.75% | -47 bps | |
| Liquid Assets / Assets | 14.73% | 10.78% | 12.62% | 12.91% | 18.07% | 16.92% | 14.59% | 15.41% | +250 bps | |