Santa Barbara, CA · Cert 35457
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | 0.11% | 0.15% | 0.29% | 0.23% | 0.13% | -0.19% | -0.06% | -36 bps | |
| Return on Equity | -3.62% | 1.23% | 1.63% | 3.15% | 2.58% | 1.59% | -2.34% | -0.80% | -395 bps | |
| Net Interest Margin | 4.00% | 4.26% | 4.25% | 4.16% | 4.10% | 3.72% | 3.63% | 3.81% | -35 bps | |
| Efficiency Ratio | 104.89% | 92.91% | 92.83% | 91.14% | 90.75% | 96.75% | 104.40% | 101.45% | +1,031 bps | |
| Non-Interest Burden | 4.21% | 3.94% | 3.92% | 3.76% | 3.68% | 3.59% | 3.81% | 3.87% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 10.19% | 6.99% | 9.02% | 15.67% | 25.28% | 26.20% | 12.23% | +321 bps | |
| Loan Growth (YoY) | 12.73% | 18.70% | 7.72% | 13.39% | 25.76% | 20.28% | 26.80% | 18.57% | +518 bps | |
| Deposit Growth (YoY) | 6.43% | 16.00% | 2.55% | 2.78% | 11.14% | 23.29% | 27.73% | 9.01% | +624 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 | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.26% | 1.20% | 1.29% | 1.22% | 1.17% | 1.13% | 1.10% | 1.12% | -10 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 | 12.41% | 12.14% | 12.51% | 12.07% | 10.78% | 10.45% | 10.19% | 10.34% | -173 bps | |
| Equity / Assets | 9.22% | 9.21% | 9.44% | 9.16% | 8.59% | 7.70% | 7.65% | 8.22% | -94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.84% | 91.53% | 94.14% | 94.74% | 98.26% | 89.30% | 93.45% | 103.05% | +831 bps | |
| Liquid Assets / Assets | 1.65% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |