Sonora, CA · Cert 57372
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.
Sonora, CA · Cert 57372
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 | 1.30% | 1.35% | 1.38% | 1.42% | 1.53% | 1.60% | 1.72% | 2.00% | +58 bps | |
| Return on Equity | 10.68% | 11.09% | 11.20% | 11.32% | 12.26% | 12.92% | 13.90% | 16.41% | +508 bps | |
| Net Interest Margin | 4.36% | 4.27% | 4.27% | 4.71% | 4.69% | 4.70% | 4.86% | 5.27% | +57 bps | |
| Efficiency Ratio | 53.91% | 53.00% | 52.71% | 54.97% | 51.88% | 50.78% | 48.71% | 42.10% | -1,287 bps | |
| Non-Interest Burden | 2.10% | 2.03% | 2.03% | 2.34% | 2.14% | 2.09% | 2.02% | 1.80% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 110.16% | 7.26% | 10.19% | 10.03% | 8.51% | 7.44% | 9.26% | 12.33% | +230 bps | |
| Loan Growth (YoY) | 88.16% | 19.18% | 7.03% | 10.70% | 11.73% | 14.97% | 21.35% | 10.81% | +11 bps | |
| Deposit Growth (YoY) | 104.18% | 9.30% | 11.32% | 11.39% | 9.36% | 8.53% | 7.11% | 11.93% | +55 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% | 0.00% | 0.03% | -0.01% | -0.01% | -0.01% | 0.07% | 0.04% | +5 bps | |
| Allowance / Loans | 1.47% | 1.44% | 1.48% | 1.30% | 1.32% | 1.28% | 1.34% | 1.42% | +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 | 11.00% | 11.45% | 12.30% | 12.25% | 12.56% | 11.30% | 11.51% | 12.21% | -5 bps | |
| Equity / Assets | 11.87% | 12.13% | 12.62% | 12.48% | 12.43% | 11.90% | 12.35% | 12.06% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.68% | 84.91% | 84.26% | 86.42% | 84.47% | 89.95% | 95.46% | 85.56% | -86 bps | |
| Liquid Assets / Assets | 0.13% | 0.12% | 0.00% | 0.05% | 0.03% | 0.03% | 0.02% | 0.01% | -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 |