Auburn, CA · Cert 30307
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.84% | 1.52% | 1.40% | 1.06% | 1.48% | 1.42% | -1.30% | -270 bps | |
| Return on Equity | 13.30% | 13.78% | 11.42% | 9.49% | 6.59% | 9.10% | 8.32% | -5.49% | -1,498 bps | |
| Net Interest Margin | 4.78% | 4.88% | 4.63% | 4.70% | 4.66% | 4.64% | 4.66% | -3.20% | -790 bps | |
| Efficiency Ratio | 46.97% | 45.48% | 51.45% | 51.56% | 65.09% | 48.65% | 53.29% | 83.68% | +3,212 bps | |
| Non-Interest Burden | 1.89% | 1.86% | 2.12% | 2.11% | 2.90% | 1.97% | 2.22% | -1.09% | -320 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 | 0.07% | -0.14% | 0.04% | 0.00% | -0.17% | 0.00% | 0.04% | -0.13% | -13 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 |