Santa Barbara, CA · Cert 18169
FDIC
Q3 2012
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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 1.16% | 1.34% | 1.37% | 1.24% | 1.26% | 1.48% | 1.75% | +38 bps | |
| Return on Equity | 5.90% | 11.09% | 12.32% | 12.18% | 10.77% | 9.78% | 11.27% | 13.10% | +93 bps | |
| Net Interest Margin | 1.17% | 3.65% | 3.91% | 3.92% | 3.93% | 4.02% | 4.14% | 4.09% | +17 bps | |
| Efficiency Ratio | 66.90% | 67.34% | 65.18% | 65.38% | 68.12% | 68.84% | 66.43% | 62.58% | -280 bps | |
| Non-Interest Burden | 0.73% | 2.33% | 2.40% | 2.41% | 2.54% | 2.59% | 2.54% | 2.27% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.21% | -19.21% | -17.95% | -6.98% | -3.88% | -1.69% | 0.81% | 2.54% | +952 bps | |
| Loan Growth (YoY) | -27.14% | -22.38% | -20.12% | -8.80% | -3.02% | -1.66% | 0.71% | 3.80% | +1,260 bps | |
| Deposit Growth (YoY) | -8.74% | -13.93% | -13.08% | -9.97% | -5.98% | -3.61% | -0.43% | 1.21% | +1,119 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% | 0.01% | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.01% | 0.06% | 0.10% | 0.12% | 0.15% | 0.17% | 0.18% | 0.19% | +7 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 | 14.71% | 15.50% | 16.46% | 18.14% | 18.25% | 18.75% | 20.21% | 21.59% | +345 bps | |
| Equity / Assets | 10.20% | 10.74% | 11.72% | 12.41% | 12.69% | 13.17% | 13.57% | 14.02% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.83% | 78.99% | 78.94% | 77.70% | 78.22% | 80.58% | 79.84% | 79.68% | +199 bps | |
| Liquid Assets / Assets | 7.40% | 4.90% | 3.69% | 4.52% | 2.97% | 2.53% | 5.30% | 8.69% | +417 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |