Visalia, CA · Cert 22496
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | -0.19% | 0.42% | 0.27% | -0.18% | -0.21% | 0.03% | -2.10% | -237 bps | |
| Return on Equity | 5.06% | -2.03% | 4.45% | 2.84% | -1.93% | -2.22% | 0.32% | -23.15% | -2,598 bps | |
| Net Interest Margin | 4.04% | 3.83% | 3.60% | 3.57% | 3.40% | 3.47% | 3.38% | 3.34% | -23 bps | |
| Efficiency Ratio | 79.92% | 91.93% | 80.67% | 85.39% | 91.30% | 102.84% | 93.91% | 176.29% | +9,090 bps | |
| Non-Interest Burden | 2.97% | 3.44% | 2.68% | 2.90% | 3.01% | 3.60% | 3.11% | 6.28% | +338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | 1.59% | -1.05% | 3.88% | 1.74% | 1.42% | 0.22% | -2.18% | -606 bps | |
| Loan Growth (YoY) | -1.16% | -6.52% | -1.40% | -5.12% | -5.80% | -1.76% | -4.35% | -6.07% | -95 bps | |
| Deposit Growth (YoY) | 1.59% | 2.56% | -0.61% | 4.10% | 1.85% | 1.34% | 0.21% | -0.91% | -501 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 | 1.08% | 1.75% | -0.07% | 0.05% | 1.55% | 0.23% | -0.06% | 2.39% | +234 bps | |
| Allowance / Loans | 2.24% | 2.25% | 2.34% | 2.48% | 2.42% | 2.52% | 2.67% | 2.30% | -18 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 | 13.38% | 13.71% | 13.72% | 14.12% | 14.13% | 14.19% | 13.76% | 13.25% | -87 bps | |
| Equity / Assets | 9.55% | 9.50% | 9.33% | 9.39% | 9.39% | 9.37% | 9.25% | 8.91% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.64% | 73.32% | 72.69% | 71.75% | 71.81% | 71.07% | 69.38% | 68.02% | -374 bps | |
| Liquid Assets / Assets | 10.51% | 15.08% | 17.09% | 18.51% | 19.39% | 20.56% | 22.40% | 22.47% | +396 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |