Walnut Creek, CA · Cert 23273
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 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.
Walnut Creek, CA · Cert 23273
FDIC
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.35% | 1.41% | 1.44% | 1.54% | 1.52% | 1.63% | 1.68% | +24 bps | |
| Return on Equity | 11.90% | 15.51% | 16.07% | 16.49% | 17.50% | 16.97% | 18.18% | 18.17% | +168 bps | |
| Net Interest Margin | 4.70% | 5.16% | 5.04% | 4.98% | 4.99% | 5.43% | 5.30% | 5.46% | +48 bps | |
| Efficiency Ratio | 63.93% | 59.79% | 58.48% | 57.94% | 55.86% | 57.99% | 56.18% | 53.97% | -397 bps | |
| Non-Interest Burden | 2.82% | 2.90% | 2.76% | 2.71% | 2.60% | 2.98% | 2.80% | 2.75% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.69% | 5.81% | 8.07% | 9.65% | 9.99% | 9.06% | 9.49% | 1.51% | -814 bps | |
| Loan Growth (YoY) | 12.91% | 7.86% | 10.10% | 3.63% | 5.88% | 10.15% | 12.73% | 12.10% | +847 bps | |
| Deposit Growth (YoY) | 6.44% | 2.36% | 3.48% | 9.66% | 6.94% | 4.92% | 1.48% | -8.82% | -1,848 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 | 0.00% | -0.02% | 0.10% | 0.06% | 0.04% | -0.02% | 0.03% | -0.03% | -9 bps | |
| Allowance / Loans | 2.01% | 2.00% | 1.90% | 1.90% | 1.86% | 1.77% | 1.68% | 1.72% | -18 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 | 10.87% | 11.23% | 11.38% | 11.58% | 11.60% | 11.61% | 11.63% | 12.34% | +76 bps | |
| Equity / Assets | 8.82% | 8.65% | 8.81% | 8.74% | 8.99% | 8.87% | 9.11% | 10.09% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.74% | 93.04% | 93.73% | 90.54% | 94.80% | 97.67% | 104.12% | 111.31% | +2,077 bps | |
| Liquid Assets / Assets | 3.70% | 3.51% | 3.01% | 2.65% | 2.46% | 2.17% | 2.08% | 1.78% | -87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |