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 1.17%, down 31 bps year over year; NIM at 4.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.55%.
  • Funding: loans stand at 80.70% of deposits as of Q2 2005.

Return on Assets (YTD, annualized)

1.17%-31 bps YoY

Net Interest Margin (YTD, annualized)

4.99%0 bps YoY

Efficiency Ratio (YTD, annualized)

57.50%+413 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.07%Q2 ’035.95%Q2 ’046.41%Q2 ’05+5%0%

Non-interest income vs. expense

3.83%Q2 ’032.84%Q2 ’043.03%Q2 ’05-27%+10%

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.73%1.09%1.52%1.48%1.49%1.47%1.08%1.17%-31 bps
Return on Equity8.69%12.96%17.53%17.35%17.34%16.95%12.10%13.31%-404 bps
Net Interest Margin4.70%4.60%5.18%4.99%4.88%4.92%5.18%4.99%0 bps
Efficiency Ratio72.63%61.76%53.81%53.37%53.65%52.48%59.27%57.50%+413 bps
Non-Interest Burden3.32%2.72%2.57%2.51%2.48%2.44%3.00%2.75%+25 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 / Loans0.13%0.09%-0.02%0.06%0.04%0.03%1.10%0.55%+49 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