San Francisco, CA · Cert 25050
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
San Francisco, CA · Cert 25050
FDIC
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.26% | 0.43% | 0.31% | 0.34% | 0.48% | 0.57% | 0.75% | +44 bps | |
| Return on Equity | 2.48% | 2.41% | 3.86% | 2.44% | 2.76% | 3.91% | 4.72% | 6.27% | +384 bps | |
| Net Interest Margin | 2.85% | 2.93% | 3.11% | 3.23% | 3.13% | 3.20% | 3.26% | 3.46% | +23 bps | |
| Efficiency Ratio | 89.35% | 87.41% | 85.51% | 82.20% | 79.15% | 75.88% | 72.97% | 68.47% | -1,373 bps | |
| Non-Interest Burden | 2.54% | 2.55% | 2.65% | 2.64% | 2.47% | 2.41% | 2.36% | 2.33% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | -1.52% | -5.54% | -3.77% | 2.86% | 6.83% | 11.10% | 10.15% | +1,392 bps | |
| Loan Growth (YoY) | -11.10% | -12.59% | -12.07% | 2.47% | 5.90% | -1.58% | 1.37% | -11.03% | -1,350 bps | |
| Deposit Growth (YoY) | -2.48% | -7.13% | -13.10% | -11.34% | -2.39% | -2.33% | 3.07% | 0.79% | +1,213 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% | 0.00% | 0.00% | 0.65% | 0.46% | 0.36% | 0.00% | 0 bps | |
| Allowance / Loans | 2.12% | 2.11% | 2.01% | 1.89% | 1.59% | 1.60% | 1.58% | 1.60% | -29 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 | 18.31% | 18.26% | 19.41% | 18.44% | 17.99% | 19.18% | 19.45% | 20.32% | +187 bps | |
| Equity / Assets | 11.66% | 12.34% | 12.62% | 12.42% | 11.78% | 12.13% | 11.91% | 11.94% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.52% | 76.02% | 75.17% | 79.79% | 76.51% | 76.60% | 73.93% | 70.43% | -936 bps | |
| Liquid Assets / Assets | 25.63% | 27.49% | 27.76% | 20.05% | 25.69% | 28.56% | 29.35% | 29.53% | +948 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |