Redlands, CA · Charter 63022
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Redlands, CA · Charter 63022
Q2 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | -0.18% | -0.22% | 0.25% | 0.33% | 0.50% | 0.64% | 0.93% | +68 bps | |
| Return on Equity | -4.84% | -2.81% | -3.65% | 3.78% | 4.62% | 6.86% | 8.12% | 11.47% | +770 bps | |
| Net Interest Margin | 3.94% | 3.97% | 3.92% | 4.09% | 4.48% | 4.47% | 5.08% | 5.04% | +95 bps | |
| Efficiency Ratio | 106.70% | 103.83% | 104.70% | 95.14% | 94.10% | 91.13% | 89.43% | 84.97% | -1,017 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.27% | 21.26% | 17.83% | 9.75% | -4.95% | -5.27% | -14.02% | -10.02% | -1,977 bps | |
| Loan Growth (YoY) | 22.14% | 12.00% | 5.11% | 7.22% | 5.56% | 10.82% | 10.65% | 13.40% | +618 bps | |
| Share Growth (YoY) | 28.94% | 20.68% | 20.60% | 12.03% | -3.73% | -4.63% | -15.66% | -11.60% | -2,362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.30% | 0.23% | 0.17% | 0.15% | 0.06% | 0.04% | 0.31% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.55% | 0.58% | 0.56% | 0.54% | 0.46% | 0.47% | 0.45% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.43% | 6.40% | 6.14% | 6.53% | 7.06% | 7.26% | 7.90% | 8.11% | +158 bps | |
| Net Worth / Assets | 6.43% | 6.40% | 6.14% | 6.53% | 7.06% | 7.26% | 7.90% | 8.11% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.42% | 70.44% | 65.50% | 70.22% | 77.22% | 81.85% | 85.94% | 90.08% | +1,986 bps | |
| Liquid Assets / Assets | 22.66% | 23.46% | 29.12% | 24.99% | 20.39% | 19.79% | 17.70% | 0.00% | -2,499 bps | |