Victorville, CA · Cert 23066
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Victorville, CA · Cert 23066
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.34% | 1.35% | 1.31% | 1.30% | 1.24% | 0.81% | 0.88% | -43 bps | |
| Return on Equity | 14.61% | 15.16% | 15.14% | 14.48% | 14.09% | 13.14% | 7.94% | 8.67% | -581 bps | |
| Net Interest Margin | 4.98% | 4.96% | 5.01% | 5.22% | 5.22% | 5.15% | 5.00% | 4.93% | -29 bps | |
| Efficiency Ratio | 64.11% | 66.06% | 60.57% | 63.69% | 64.28% | 65.45% | 77.76% | 75.36% | +1,167 bps | |
| Non-Interest Burden | 2.81% | 2.93% | 2.67% | 3.00% | 2.98% | 3.00% | 3.68% | 3.47% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.82% | 14.81% | 14.88% | 8.53% | 5.46% | -1.53% | 5.14% | 4.73% | -380 bps | |
| Loan Growth (YoY) | 5.79% | 5.84% | 10.16% | 17.49% | 19.74% | 20.77% | 18.27% | 13.26% | -423 bps | |
| Deposit Growth (YoY) | 13.26% | 15.09% | 14.81% | 7.65% | -2.01% | -5.36% | 0.61% | 0.50% | -714 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 | 0.15% | 0.15% | 0.03% | 0.02% | -0.03% | 0.00% | 0.04% | 0.11% | +9 bps | |
| Allowance / Loans | 1.30% | 1.12% | 1.14% | 1.10% | 1.14% | 1.10% | 1.06% | 0.99% | -10 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 | 12.28% | 11.85% | 12.55% | 12.69% | 12.83% | 13.12% | 13.02% | 13.00% | +30 bps | |
| Equity / Assets | 8.71% | 8.85% | 9.00% | 9.32% | 9.66% | 10.52% | 9.82% | 10.15% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.99% | 65.38% | 66.31% | 71.84% | 79.42% | 83.43% | 77.95% | 80.95% | +912 bps | |
| Liquid Assets / Assets | 0.00% | 1.50% | 2.47% | 3.12% | 2.65% | 2.29% | 2.20% | 2.17% | -96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |