Fallbrook, CA · Cert 26426
FDIC
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.61% | 1.64% | 1.69% | 1.77% | 1.78% | 1.75% | 1.84% | +15 bps | |
| Return on Equity | 16.16% | 14.00% | 14.69% | 14.08% | 14.09% | 12.29% | 11.90% | 12.27% | -181 bps | |
| Net Interest Margin | 4.31% | 5.22% | 5.04% | 4.81% | 4.82% | 5.71% | 5.85% | 5.95% | +114 bps | |
| Efficiency Ratio | 58.06% | 58.25% | 56.70% | 55.17% | 54.57% | 57.02% | 56.22% | 54.33% | -84 bps | |
| Non-Interest Burden | 1.85% | 2.39% | 2.21% | 2.07% | 2.09% | 2.76% | 2.87% | 2.82% | +75 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% | -0.05% | -0.03% | 0.03% | -0.05% | 0.00% | 0.02% | +5 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 |