Moreno Valley, CA · Cert 18255
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.35% | -35.04% | -8.76% | -8.47% | -10.85% | -9.32% | -6.20% | -5.53% | +294 bps | |
| Return on Equity | -30.17% | -213% | -63.60% | -65.03% | -104.75% | -109.44% | -79.54% | -73.73% | -870 bps | |
| Net Interest Margin | 4.16% | 3.36% | 2.82% | 2.14% | 3.00% | 3.44% | 3.02% | 3.04% | +90 bps | |
| Efficiency Ratio | 257% | 290% | 280% | 289% | 297% | 254% | 227% | 219% | -7,020 bps | |
| Non-Interest Burden | 17.68% | 37.25% | 16.11% | 14.73% | 17.03% | 15.81% | 12.30% | 11.13% | -359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.48% | 10.12% | 6.03% | 19.65% | 9.57% | 8.21% | 9.97% | -7.15% | -2,680 bps | |
| Loan Growth (YoY) | -31.78% | -23.09% | -15.21% | 36.97% | 98.71% | 129.30% | 140.04% | 56.78% | +1,981 bps | |
| Deposit Growth (YoY) | 20.10% | 14.25% | 17.71% | 37.58% | 24.01% | 15.41% | 19.87% | -3.41% | -4,098 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 | -2.54% | -0.18% | 0.13% | 2.11% | 5.08% | 2.26% | 0.13% | 0.14% | -197 bps | |
| Allowance / Loans | 5.04% | 5.12% | 5.19% | 3.04% | 2.32% | 2.27% | 2.27% | 2.34% | -70 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 | 29.66% | 24.66% | 31.78% | 22.54% | 14.90% | 11.96% | 13.08% | 11.11% | -1,144 bps | |
| Equity / Assets | 20.17% | 12.45% | 14.95% | 11.30% | 9.35% | 7.62% | 7.94% | 7.04% | -426 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.17% | 37.82% | 33.69% | 45.24% | 62.77% | 75.13% | 67.47% | 73.43% | +2,819 bps | |
| Liquid Assets / Assets | 0.10% | 0.11% | 0.09% | 0.08% | 0.09% | 0.10% | 0.26% | 0.28% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |