Fallbrook, CA · Cert 26426
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 | 1.83% | 1.61% | 1.67% | 1.81% | 1.91% | 1.78% | 1.73% | 2.02% | +21 bps | |
| Return on Equity | 17.26% | 14.00% | 15.36% | 14.53% | 13.50% | 12.29% | 11.52% | 13.00% | -152 bps | |
| Net Interest Margin | 5.39% | 5.22% | 5.23% | 5.54% | 5.73% | 5.71% | 5.93% | 6.07% | +53 bps | |
| Efficiency Ratio | 60.12% | 58.25% | 55.26% | 52.59% | 53.07% | 57.02% | 55.43% | 50.55% | -204 bps | |
| Non-Interest Burden | 2.55% | 2.39% | 2.20% | 2.32% | 2.53% | 2.76% | 2.95% | 2.68% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.34% | 41.04% | 44.41% | 63.16% | 41.89% | 25.65% | 16.62% | -0.44% | -6,360 bps | |
| Loan Growth (YoY) | 35.08% | 40.54% | 44.06% | 61.16% | 36.62% | 23.58% | 15.74% | -0.79% | -6,195 bps | |
| Deposit Growth (YoY) | 39.62% | 36.85% | 41.91% | 58.85% | 29.30% | 22.47% | 10.43% | -8.91% | -6,776 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% | -0.06% | -0.04% | -0.02% | 0.23% | -0.05% | 0.04% | 0.06% | +8 bps | |
| Allowance / Loans | 1.39% | 1.34% | 1.30% | 1.38% | 1.33% | 1.35% | 1.31% | 1.33% | -5 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 | 11.19% | 10.55% | 10.17% | 11.17% | 11.49% | 12.09% | 12.55% | 13.21% | +204 bps | |
| Equity / Assets | 11.91% | 11.15% | 10.60% | 14.10% | 14.15% | 14.84% | 15.13% | 15.99% | +189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.82% | 100.67% | 101.47% | 99.25% | 103.35% | 101.58% | 106.35% | 108.09% | +885 bps | |
| Liquid Assets / Assets | 0.94% | 0.76% | 1.08% | 0.87% | 0.79% | 0.91% | 0.90% | 0.88% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |