Lakeport, CA · Cert 25748
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.94% | 1.90% | 1.91% | 1.80% | 2.16% | 2.12% | 2.06% | 2.15% | +35 bps | |
| Return on Equity | 19.59% | 20.30% | 20.79% | 19.44% | 24.15% | 22.22% | 19.99% | 19.14% | -30 bps | |
| Net Interest Margin | 4.92% | 4.85% | 4.69% | 4.76% | 5.05% | 5.27% | 4.95% | 4.92% | +16 bps | |
| Efficiency Ratio | 43.37% | 43.46% | 41.97% | 46.20% | 40.50% | 44.64% | 45.51% | 46.48% | +29 bps | |
| Non-Interest Burden | 1.69% | 1.64% | 1.54% | 1.89% | 1.55% | 1.85% | 1.76% | 1.93% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.33% | 4.81% | -0.59% | -6.19% | -4.94% | -10.89% | -7.48% | -8.39% | -219 bps | |
| Loan Growth (YoY) | -2.04% | -5.61% | -6.68% | -8.39% | -7.45% | -8.86% | -14.54% | -17.62% | -923 bps | |
| Deposit Growth (YoY) | -0.21% | 4.96% | -0.91% | -4.73% | -3.74% | -10.58% | -6.97% | -10.38% | -565 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 | 0.01% | 0.02% | 0.01% | 0.02% | -0.15% | 0.00% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 1.75% | 1.78% | 1.84% | 1.77% | 1.85% | 1.90% | 2.10% | 2.02% | +25 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 | 12.33% | 10.99% | 11.78% | 10.63% | 11.51% | 12.30% | 13.72% | 15.32% | +469 bps | |
| Equity / Assets | 10.04% | 8.68% | 9.71% | 8.73% | 9.14% | 9.95% | 10.71% | 11.78% | +304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.79% | 86.68% | 90.08% | 91.80% | 88.25% | 88.35% | 82.75% | 84.39% | -742 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |