Glendora, CA · Cert 21104
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 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.
Glendora, CA · Cert 21104
FDIC
Q1 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.38% | 1.34% | 1.41% | 1.49% | 1.54% | 1.51% | 1.27% | -14 bps | |
| Return on Equity | 14.46% | 14.54% | 14.25% | 15.69% | 16.32% | 16.67% | 16.24% | 12.72% | -298 bps | |
| Net Interest Margin | 4.29% | 4.30% | 4.14% | 4.52% | 4.66% | 4.76% | 4.87% | 4.84% | +32 bps | |
| Efficiency Ratio | 60.07% | 60.17% | 59.81% | 59.55% | 59.00% | 57.65% | 56.23% | 61.73% | +218 bps | |
| Non-Interest Burden | 2.27% | 2.29% | 2.19% | 2.43% | 2.48% | 2.47% | 2.46% | 2.76% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.64% | 9.46% | 14.75% | 10.51% | 7.31% | 6.23% | 1.44% | -6.78% | -1,728 bps | |
| Loan Growth (YoY) | 1.87% | 5.77% | 9.91% | 10.99% | 8.35% | 6.46% | 9.27% | 5.57% | -542 bps | |
| Deposit Growth (YoY) | 15.64% | 9.86% | 15.84% | 9.79% | 7.04% | 6.23% | -5.17% | -8.97% | -1,877 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | -0.02% | -2 bps | |
| Allowance / Loans | 1.05% | 1.04% | 0.99% | 0.97% | 0.98% | 0.99% | 0.92% | 0.93% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.87% | 13.98% | 13.21% | 13.24% | 13.71% | 14.06% | 13.58% | 13.95% | +71 bps | |
| Equity / Assets | 9.26% | 9.58% | 9.05% | 8.87% | 9.39% | 9.53% | 9.62% | 10.29% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.65% | 71.43% | 71.26% | 72.06% | 71.52% | 71.59% | 82.11% | 83.57% | +1,151 bps | |
| Liquid Assets / Assets | 1.73% | 1.64% | 2.01% | 1.60% | 0.94% | 0.91% | 0.88% | 0.29% | -131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |