Auburn, CA · Cert 30307
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Auburn, CA · Cert 30307
FDIC
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.67% | 1.52% | 1.42% | 1.31% | 1.37% | 1.42% | 0.08% | -134 bps | |
| Return on Equity | 12.21% | 12.62% | 11.42% | 9.84% | 8.74% | 8.97% | 8.32% | 0.37% | -947 bps | |
| Net Interest Margin | 4.61% | 4.65% | 4.63% | 4.47% | 3.89% | 4.09% | 4.66% | 0.65% | -381 bps | |
| Efficiency Ratio | 49.38% | 48.36% | 51.45% | 51.51% | 56.85% | 54.53% | 53.29% | 73.97% | +2,246 bps | |
| Non-Interest Burden | 1.99% | 1.94% | 2.12% | 2.02% | 2.02% | 2.02% | 2.22% | 0.53% | -149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.09% | 4.51% | 4.95% | 44.42% | 43.22% | 42.08% | 25.08% | -6.69% | -5,112 bps | |
| Loan Growth (YoY) | 28.63% | 6.28% | 9.42% | 34.61% | 34.85% | 34.49% | 28.55% | -0.97% | -3,558 bps | |
| Deposit Growth (YoY) | 24.83% | 4.88% | 4.67% | 39.67% | 38.34% | 37.46% | 16.32% | -22.78% | -6,246 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% | -0.04% | 0.04% | 0.02% | -0.05% | -0.03% | 0.04% | -0.04% | -6 bps | |
| Allowance / Loans | 1.20% | 1.22% | 1.17% | 1.21% | 1.22% | 1.21% | 1.22% | 1.68% | +47 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 | 10.64% | 10.83% | 10.79% | 11.27% | 11.33% | 10.98% | 11.65% | 12.33% | +107 bps | |
| Equity / Assets | 13.27% | 13.48% | 13.18% | 15.92% | 16.29% | 16.25% | 18.01% | 29.12% | +1,320 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.70% | 87.24% | 86.83% | 80.50% | 83.53% | 85.35% | 95.96% | 103.24% | +2,273 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.06% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 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 |