Glendora, CA · Cert 21104
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.39% | 1.24% | 1.41% | 1.56% | 1.63% | 1.43% | 1.27% | -14 bps | |
| Return on Equity | 14.42% | 14.80% | 13.28% | 15.69% | 17.06% | 17.24% | 14.97% | 12.72% | -298 bps | |
| Net Interest Margin | 4.25% | 4.51% | 4.40% | 4.52% | 4.83% | 4.80% | 4.98% | 4.84% | +32 bps | |
| Efficiency Ratio | 59.46% | 60.35% | 58.79% | 59.55% | 58.48% | 54.97% | 52.04% | 61.73% | +218 bps | |
| Non-Interest Burden | 2.22% | 2.41% | 2.32% | 2.43% | 2.55% | 2.36% | 2.31% | 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 | -0.03% | 0.01% | -0.03% | 0.00% | -0.01% | -0.02% | -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 |