Duarte, CA · Cert 23234
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | 0.32% | -0.21% | 0.33% | 0.31% | -0.25% | -0.12% | 0.31% | -2 bps | |
| Return on Equity | -4.33% | 3.15% | -1.95% | 2.87% | 2.47% | -1.77% | -0.81% | 1.46% | -141 bps | |
| Net Interest Margin | 3.68% | 3.58% | 4.00% | 4.33% | 4.71% | 4.80% | 4.69% | -2.38% | -671 bps | |
| Efficiency Ratio | 109.00% | 93.34% | 104.63% | 93.28% | 94.09% | 104.45% | 102.29% | 92.38% | -90 bps | |
| Non-Interest Burden | 4.08% | 3.26% | 4.21% | 3.99% | 4.40% | 5.05% | 4.82% | -2.68% | -668 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 | -0.21% | -0.20% | 0.33% | -0.53% | -0.31% | -0.11% | -0.08% | -0.09% | +44 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 |