PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rancho Bernardo Community Bank

San Diego, CA · Cert 34323

FDIC

Q2 2005

$124.5MAssets
$90.8MLoans
$112.6MDeposits
$10.6MEquity
Loan mix
58%RE $19.1M42%C&I $13.9M0%Consumer $0.2MQ3 2003Q2 2005
Deposit mix
79%Interest-bearing $89.4M21%Noninterest $23.1MQ3 2003Q2 2005

Executive Summary

  • Earnings: ROA of 1.26%, down 19 bps year over year; NIM at 5.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 80.70% of deposits as of Q2 2005.

Return on Assets (quarter, annualized)

1.26%-19 bps YoY

Net Interest Margin (quarter, annualized)

5.21%+5 bps YoY

Efficiency Ratio (quarter, annualized)

55.94%+299 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.05%Q2 ’036.18%Q2 ’046.86%Q2 ’05+10%+1%

Non-interest income vs. expense

3.76%Q2 ’032.86%Q2 ’043.13%Q2 ’05-19%+5%

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.83%2.09%1.52%1.44%1.48%1.41%1.08%1.26%-19 bps
Return on Equity10.02%25.24%17.53%17.06%17.45%15.82%12.10%14.55%-251 bps
Net Interest Margin4.75%4.88%5.18%5.17%5.16%5.21%5.18%5.21%+5 bps
Efficiency Ratio68.87%31.05%53.81%52.95%54.17%49.25%59.27%55.94%+299 bps
Non-Interest Burden3.18%1.34%2.57%2.62%2.70%2.41%3.00%2.75%+13 bps
Growth
Asset Growth (YoY)22.45%16.43%7.86%22.96%11.10%13.15%12.99%15.61%-735 bps
Loan Growth (YoY)3.53%4.68%17.05%35.22%36.35%20.29%18.91%8.77%-2,645 bps
Deposit Growth (YoY)24.04%17.89%7.94%25.77%11.92%13.80%12.71%15.43%-1,035 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.23%0.00%-0.02%0.14%0.00%0.00%1.10%0.00%-13 bps
Allowance / Loans1.96%1.79%1.63%1.46%1.35%1.55%1.24%1.34%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital12.03%12.00%12.00%11.46%11.95%12.51%11.70%11.86%+39 bps
Equity / Assets7.93%8.66%8.69%8.25%8.71%9.08%8.79%8.48%+23 bps
Liquidity & Funding
Loans / Deposits71.11%79.95%84.21%85.64%86.63%84.51%88.84%80.70%-494 bps
Liquid Assets / Assets0.00%0.00%0.00%0.09%0.09%0.09%0.09%0.00%-9 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a