Napa, CA · Cert 25853
FDIC
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.29% | 1.30% | 1.29% | 1.34% | 1.37% | 1.39% | 0.84% | -46 bps | |
| Return on Equity | 14.57% | 14.81% | 14.76% | 14.08% | 14.60% | 14.86% | 14.93% | 8.54% | -554 bps | |
| Net Interest Margin | 4.85% | 4.69% | 4.78% | 5.14% | 4.94% | 4.70% | 4.59% | 4.30% | -84 bps | |
| Efficiency Ratio | 62.49% | 61.34% | 61.86% | 64.30% | 61.34% | 60.18% | 59.58% | 74.19% | +988 bps | |
| Non-Interest Burden | 2.77% | 2.62% | 2.71% | 3.08% | 2.78% | 2.58% | 2.49% | 3.02% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.40% | 43.84% | 35.07% | 7.60% | 7.76% | 3.03% | 8.68% | 7.95% | +36 bps | |
| Loan Growth (YoY) | 51.78% | 37.03% | 44.98% | 7.34% | 10.98% | 19.40% | 11.15% | 5.22% | -212 bps | |
| Deposit Growth (YoY) | 44.41% | 45.18% | 35.23% | 4.10% | -5.49% | -13.63% | -7.89% | -6.09% | -1,020 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% | 0.01% | 0.01% | 0.00% | 0.01% | 0.02% | 0.02% | -0.03% | -4 bps | |
| Allowance / Loans | 1.11% | 1.21% | 1.19% | 1.16% | 1.12% | 1.07% | 1.10% | 1.12% | -4 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 | 11.52% | 11.82% | 11.84% | 11.86% | 11.71% | 12.08% | 12.64% | 13.09% | +123 bps | |
| Equity / Assets | 8.84% | 8.55% | 9.10% | 9.26% | 9.11% | 9.42% | 9.74% | 9.86% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.85% | 72.08% | 79.56% | 83.82% | 93.76% | 99.64% | 96.00% | 93.91% | +1,010 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |