Woodland, CA · Cert 34741
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.
Woodland, CA · Cert 34741
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 | 1.02% | 0.06% | 0.20% | -0.15% | -0.40% | -0.41% | -0.42% | 0.06% | +21 bps | |
| Return on Equity | 12.20% | 0.53% | 1.54% | -0.79% | -2.15% | -2.23% | -2.29% | 0.29% | +108 bps | |
| Net Interest Margin | 4.45% | 0.48% | 1.47% | 4.14% | 4.10% | 3.88% | 3.78% | 4.26% | +12 bps | |
| Efficiency Ratio | 77.78% | 79.29% | 74.39% | 105.40% | 115.47% | 113.73% | 111.60% | 97.42% | -798 bps | |
| Non-Interest Burden | 3.35% | 0.37% | 1.07% | 4.48% | 4.87% | 4.53% | 4.34% | 4.24% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.30% | 47.49% | 35.94% | 30.88% | 29.89% | 15.36% | 18.74% | 9.29% | -2,159 bps | |
| Loan Growth (YoY) | 19.16% | 29.99% | 34.20% | 30.67% | 22.71% | 20.42% | 23.67% | 17.51% | -1,316 bps | |
| Deposit Growth (YoY) | 14.65% | 15.94% | 12.68% | -2.31% | 6.57% | 9.33% | 12.98% | 7.78% | +1,009 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% | 0.04% | 0.03% | 0.00% | 0.00% | 0.06% | 0.04% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 1.12% | 1.12% | 1.10% | 1.03% | 1.11% | 1.18% | 1.27% | +16 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 | 11.31% | 8.03% | 10.38% | 10.20% | 8.92% | 9.66% | 11.02% | 12.01% | +181 bps | |
| Equity / Assets | 7.62% | 17.87% | 19.09% | 19.06% | 18.00% | 17.89% | 18.44% | 20.19% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.29% | 90.75% | 91.56% | 97.08% | 100.52% | 99.96% | 100.23% | 105.85% | +876 bps | |
| Liquid Assets / Assets | 0.17% | 0.11% | 0.10% | 0.10% | 0.09% | 0.08% | 0.06% | 0.06% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |