Auburn, CA · Charter 66820
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Auburn, CA · Charter 66820
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 0.60% | -0.09% | 0.04% | -0.07% | -0.03% | -0.19% | -2.19% | -223 bps | |
| Return on Equity | -1.47% | 6.96% | -1.03% | 0.43% | -0.85% | -0.32% | -2.34% | -29.44% | -2,987 bps | |
| Net Interest Margin | 3.69% | 3.83% | 3.96% | 4.07% | 4.05% | 3.93% | 3.77% | 3.95% | -12 bps | |
| Efficiency Ratio | 96.91% | 83.59% | 96.73% | 93.77% | 95.07% | 93.71% | 99.36% | 131.12% | +3,735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.32% | 5.49% | 7.69% | 4.43% | 1.86% | 5.07% | 1.73% | -1.68% | -611 bps | |
| Loan Growth (YoY) | 15.36% | 12.19% | 15.76% | 9.84% | 1.95% | 4.00% | -0.69% | -3.74% | -1,358 bps | |
| Share Growth (YoY) | 8.20% | 5.54% | 8.07% | 3.83% | -0.55% | 5.65% | 2.00% | -0.28% | -410 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.81% | 0.40% | 0.49% | 0.48% | 0.43% | 0.68% | 1.11% | +62 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 | 0.35% | 0.38% | 0.23% | 0.23% | 0.25% | 0.22% | 0.25% | 0.83% | +60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.93% | 8.62% | 8.36% | 8.45% | 8.33% | 8.18% | 8.16% | 7.45% | -100 bps | |
| Net Worth / Assets | 7.93% | 8.62% | 8.36% | 8.45% | 8.33% | 8.18% | 8.16% | 7.45% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.27% | 92.57% | 92.68% | 94.45% | 94.59% | 91.12% | 90.24% | 91.17% | -328 bps | |
| Liquid Assets / Assets | 7.75% | 8.31% | 8.72% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |