Victorville, CA · Cert 23066
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.47% | 1.35% | 1.26% | 1.27% | 1.06% | 0.81% | 0.94% | -33 bps | |
| Return on Equity | 17.55% | 16.73% | 15.14% | 13.80% | 13.43% | 10.52% | 7.94% | 9.38% | -441 bps | |
| Net Interest Margin | 5.42% | 5.28% | 5.01% | 5.38% | 5.15% | 5.12% | 5.00% | 5.02% | -37 bps | |
| Efficiency Ratio | 61.14% | 71.56% | 60.57% | 66.69% | 65.38% | 68.93% | 77.76% | 73.10% | +640 bps | |
| Non-Interest Burden | 2.90% | 3.50% | 2.67% | 3.32% | 2.89% | 3.17% | 3.68% | 3.38% | +7 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 | 0.06% | 0.17% | 0.03% | 0.02% | -0.13% | 0.08% | 0.04% | 0.18% | +17 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 |