Elk Grove, CA · Cert 33339
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.07% | 3.44% | 3.25% | 2.83% | 2.37% | 2.49% | 2.51% | 2.11% | -72 bps | |
| Return on Equity | 25.51% | 28.33% | 25.65% | 22.19% | 18.71% | 19.39% | 18.85% | 15.24% | -696 bps | |
| Net Interest Margin | 4.97% | 5.11% | 5.45% | 4.73% | 4.45% | 4.39% | 4.39% | 4.04% | -69 bps | |
| Efficiency Ratio | 37.84% | 33.85% | 37.56% | 38.83% | 43.56% | 42.53% | 43.97% | 49.29% | +1,046 bps | |
| Non-Interest Burden | 1.73% | 1.58% | 1.89% | 1.68% | 1.80% | 1.73% | 1.79% | 1.87% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.43% | 8.38% | -1.94% | 2.63% | 6.18% | 7.67% | 3.58% | -0.72% | -335 bps | |
| Loan Growth (YoY) | 11.39% | 8.75% | 3.97% | 0.21% | -0.48% | -2.47% | -14.95% | -11.10% | -1,131 bps | |
| Deposit Growth (YoY) | 2.46% | 1.26% | -9.64% | -3.45% | 1.42% | 3.67% | 3.00% | -2.37% | +108 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.22% | 1.29% | 1.37% | 1.45% | 1.50% | 1.73% | 1.68% | +31 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 | 15.85% | 16.42% | 17.31% | 17.95% | 19.37% | 19.67% | 20.48% | 20.61% | +266 bps | |
| Equity / Assets | 11.74% | 12.58% | 12.73% | 12.74% | 12.62% | 13.08% | 13.51% | 14.14% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.88% | 81.99% | 81.33% | 79.22% | 75.44% | 77.13% | 67.16% | 72.13% | -709 bps | |
| Liquid Assets / Assets | 1.21% | 1.02% | 0.60% | 0.46% | 0.34% | 0.29% | 0.29% | 0.27% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |