Salinas, CA · Cert 24243
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Salinas, CA · Cert 24243
FDIC
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.26% | 1.26% | 1.23% | 1.31% | 1.41% | 1.54% | 1.66% | +43 bps | |
| Return on Equity | 15.07% | 15.17% | 14.94% | 14.80% | 16.05% | 17.27% | 18.79% | 20.09% | +528 bps | |
| Net Interest Margin | 4.01% | 3.99% | 3.97% | 3.99% | 4.47% | 4.43% | 4.43% | 4.71% | +72 bps | |
| Efficiency Ratio | 53.69% | 52.61% | 52.13% | 51.94% | 47.96% | 48.24% | 46.97% | 44.13% | -781 bps | |
| Non-Interest Burden | 1.99% | 1.91% | 1.88% | 1.88% | 1.97% | 1.95% | 1.90% | 1.88% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.35% | 10.45% | 10.76% | 12.27% | 14.42% | 19.02% | 14.29% | 7.61% | -466 bps | |
| Loan Growth (YoY) | 7.88% | 9.37% | 12.42% | 19.14% | 19.92% | 16.82% | 9.52% | 4.47% | -1,467 bps | |
| Deposit Growth (YoY) | 9.03% | 10.65% | 9.17% | 12.08% | 14.70% | 18.58% | 14.97% | 6.01% | -608 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% | 0.00% | 0.53% | 0.36% | 0.06% | 0.03% | 0.02% | -0.35% | -72 bps | |
| Allowance / Loans | 2.16% | 2.16% | 1.77% | 1.75% | 1.87% | 1.88% | 1.91% | 2.18% | +42 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 | 11.49% | 11.52% | 11.26% | 10.55% | 11.05% | 11.31% | 11.56% | 11.58% | +104 bps | |
| Equity / Assets | 8.59% | 8.34% | 8.67% | 8.07% | 8.27% | 8.15% | 8.36% | 8.55% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.86% | 83.93% | 87.58% | 87.95% | 87.67% | 82.68% | 83.43% | 86.67% | -128 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.27% | 0.33% | 0.32% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |