Auburn, CA · Cert 34557
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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 34557
FDIC
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.20% | 1.21% | 1.41% | 1.42% | 1.49% | 1.54% | 1.82% | +42 bps | |
| Return on Equity | 5.11% | 5.66% | 5.81% | 7.24% | 7.41% | 7.63% | 7.83% | 8.85% | +161 bps | |
| Net Interest Margin | 4.43% | 4.54% | 4.97% | 4.71% | 4.55% | 4.60% | 4.72% | 4.70% | -1 bps | |
| Efficiency Ratio | 53.63% | 50.93% | 49.25% | 43.30% | 43.51% | 44.45% | 43.80% | 44.58% | +127 bps | |
| Non-Interest Burden | 2.37% | 2.29% | 2.40% | 1.97% | 1.71% | 1.81% | 1.85% | 1.97% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.94% | 36.19% | 23.68% | 23.29% | 32.46% | 9.35% | 7.31% | 1.26% | -2,203 bps | |
| Loan Growth (YoY) | -0.83% | 13.17% | 31.48% | 43.19% | 51.54% | 18.65% | 9.74% | 0.65% | -4,253 bps | |
| Deposit Growth (YoY) | -6.12% | 2.19% | 2.37% | 10.60% | 15.84% | 12.08% | 14.17% | 11.75% | +114 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 | 0.02% | 0.01% | 0.01% | 0.01% | 0.00% | 0.02% | 0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 1.60% | 1.42% | 1.39% | 1.21% | 1.40% | 1.54% | 1.44% | 1.33% | +12 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 | 12.23% | 11.24% | 10.28% | 11.01% | 11.14% | 12.11% | 11.81% | 12.51% | +149 bps | |
| Equity / Assets | 22.20% | 19.97% | 19.30% | 19.52% | 18.68% | 20.42% | 20.23% | 20.92% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.25% | 108.29% | 124.32% | 132.53% | 132.45% | 114.64% | 119.50% | 119.37% | -1,316 bps | |
| Liquid Assets / Assets | 3.71% | 3.29% | 0.94% | 0.00% | 0.00% | 0.00% | 0.15% | 0.05% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |