Duarte, CA · Cert 23234
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Duarte, CA · Cert 23234
FDIC
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.33% | -0.21% | 0.05% | 0.13% | 0.05% | -0.12% | 0.09% | +4 bps | |
| Return on Equity | -5.31% | -3.22% | -1.95% | 0.46% | 1.13% | 0.40% | -0.81% | 0.49% | +3 bps | |
| Net Interest Margin | 3.35% | 3.44% | 4.00% | 4.25% | 4.65% | 5.07% | 4.69% | 1.07% | -318 bps | |
| Efficiency Ratio | 107.01% | 103.38% | 104.63% | 98.86% | 97.29% | 99.00% | 102.29% | 77.15% | -2,171 bps | |
| Non-Interest Burden | 3.66% | 3.60% | 4.21% | 4.19% | 4.50% | 5.02% | 4.82% | 0.98% | -322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.83% | -4.60% | -8.17% | -15.10% | -23.70% | -27.40% | -28.01% | -16.83% | -173 bps | |
| Loan Growth (YoY) | -3.29% | -17.88% | -13.93% | -18.00% | -37.44% | -32.90% | -45.88% | -29.74% | -1,174 bps | |
| Deposit Growth (YoY) | -5.43% | -4.73% | -8.83% | -16.88% | -26.65% | -30.90% | -31.66% | -30.78% | -1,390 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 | 0.09% | 0.03% | 0.33% | -0.07% | -0.16% | -0.17% | -0.08% | -0.08% | -1 bps | |
| Allowance / Loans | 1.67% | 2.11% | 1.93% | 2.37% | 2.86% | 3.32% | 3.93% | 3.53% | +117 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 | 14.50% | 16.96% | 16.53% | 18.73% | 21.73% | 24.25% | 28.02% | 27.25% | +853 bps | |
| Equity / Assets | 10.06% | 10.53% | 11.10% | 12.04% | 13.38% | 14.57% | 15.52% | 26.14% | +1,410 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.42% | 66.59% | 74.73% | 70.03% | 66.87% | 64.67% | 59.18% | 71.08% | +105 bps | |
| Liquid Assets / Assets | 5.57% | 12.60% | 16.05% | 14.87% | 9.94% | 9.64% | 9.82% | 7.87% | -699 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |