Campbell, CA · Cert 57536
FDIC
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.69% | -1.57% | -1.92% | -1.27% | 0.31% | 0.22% | 0.42% | 0.67% | +193 bps | |
| Return on Equity | -11.66% | -10.31% | -12.73% | -8.80% | 2.52% | 1.76% | 3.31% | 5.27% | +1,407 bps | |
| Net Interest Margin | 4.41% | 4.75% | 4.64% | 4.55% | 5.74% | 5.90% | 5.98% | 5.70% | +115 bps | |
| Efficiency Ratio | 136.60% | 131.06% | 131.20% | 116.26% | 97.16% | 92.30% | 90.92% | 88.14% | -2,812 bps | |
| Non-Interest Burden | 6.07% | 6.27% | 6.13% | 5.34% | 5.55% | 5.36% | 5.35% | 4.90% | -44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 277% | 133.25% | 36.18% | 38.59% | 33.13% | 26.37% | 17.46% | 5.62% | -3,298 bps | |
| Loan Growth (YoY) | 354% | 163.84% | 96.92% | 76.10% | 45.77% | 40.88% | 13.82% | 1.12% | -7,498 bps | |
| Deposit Growth (YoY) | 561% | 174.11% | 35.96% | 31.10% | 41.41% | 32.56% | 19.77% | 10.13% | -2,097 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% | 1.58% | 0.64% | 0.38% | -0.06% | -0.20% | -0.16% | -0.31% | -69 bps | |
| Allowance / Loans | 2.07% | 1.10% | 1.26% | 1.33% | 1.39% | 1.62% | 1.61% | 1.83% | +50 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 | 23.63% | 21.50% | 17.41% | 15.79% | 16.62% | 15.96% | 15.87% | 16.01% | +22 bps | |
| Equity / Assets | 17.46% | 16.75% | 14.49% | 12.45% | 12.42% | 12.80% | 12.82% | 12.64% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.91% | 84.80% | 94.15% | 91.61% | 81.35% | 90.12% | 89.47% | 84.12% | -749 bps | |
| Liquid Assets / Assets | 4.09% | 4.61% | 0.14% | 0.12% | 1.44% | 1.85% | 0.60% | 0.57% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |