Walnut Creek, CA · Cert 23273
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.35% | 1.45% | 1.51% | 1.81% | 1.52% | 1.75% | 1.75% | +23 bps | |
| Return on Equity | 15.07% | 15.51% | 16.62% | 17.24% | 20.36% | 16.97% | 19.41% | 18.20% | +96 bps | |
| Net Interest Margin | 5.09% | 5.16% | 5.12% | 5.19% | 5.46% | 5.43% | 5.42% | 5.62% | +43 bps | |
| Efficiency Ratio | 60.11% | 59.79% | 57.22% | 56.90% | 50.38% | 57.99% | 54.45% | 49.74% | -717 bps | |
| Non-Interest Burden | 2.88% | 2.90% | 2.74% | 2.78% | 2.51% | 2.98% | 2.76% | 2.58% | -19 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 | 0.16% | -0.02% | 0.22% | -0.01% | -0.01% | -0.02% | 0.08% | -0.14% | -13 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 |