Solana Beach, CA · Cert 57324
FDIC
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.47% | 0.84% | 0.78% | 0.77% | 0.76% | 0.09% | -1.39% | -216 bps | |
| Return on Equity | 1.25% | 4.37% | 6.21% | 5.79% | 5.59% | 5.51% | 0.58% | -8.83% | -1,462 bps | |
| Net Interest Margin | 3.63% | 3.88% | 4.96% | 5.11% | 5.04% | 5.26% | 4.86% | 5.22% | +11 bps | |
| Efficiency Ratio | 90.39% | 86.50% | 81.25% | 83.88% | 84.52% | 84.60% | 98.28% | 126.10% | +4,222 bps | |
| Non-Interest Burden | 3.26% | 3.32% | 3.99% | 4.26% | 4.23% | 4.42% | 4.77% | 6.65% | +240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 101.88% | 82.31% | 62.96% | 56.91% | -7.05% | 0.55% | -7.51% | -21.47% | -7,838 bps | |
| Loan Growth (YoY) | 104.54% | 66.47% | 65.54% | 52.31% | -9.27% | -12.33% | -12.55% | -20.61% | -7,292 bps | |
| Deposit Growth (YoY) | 82.81% | 69.79% | 46.86% | 33.91% | -7.04% | -1.99% | -8.95% | -18.12% | -5,203 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% | 0.03% | 0.02% | 0.01% | 0.01% | 0.00% | 0.16% | +14 bps | |
| Allowance / Loans | 1.15% | 1.21% | 1.24% | 1.17% | 1.29% | 1.43% | 1.43% | 1.40% | +23 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 | 12.75% | 12.78% | 13.17% | 12.39% | 14.10% | 15.24% | 15.99% | 15.93% | +354 bps | |
| Equity / Assets | 12.60% | 13.33% | 13.70% | 13.27% | 14.97% | 14.20% | 15.71% | 17.53% | +426 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.17% | 82.85% | 86.03% | 92.65% | 88.97% | 74.11% | 82.62% | 89.83% | -282 bps | |
| Liquid Assets / Assets | 2.53% | 2.30% | 1.64% | 2.33% | 1.61% | 1.36% | 1.27% | 1.15% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |