Visalia, CA · Cert 22496
FDIC
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.24% | 0.42% | 0.34% | 0.17% | 0.07% | 0.03% | -1.04% | -138 bps | |
| Return on Equity | 4.04% | 2.51% | 4.45% | 3.64% | 1.78% | 0.79% | 0.32% | -11.29% | -1,493 bps | |
| Net Interest Margin | 3.83% | 3.79% | 3.60% | 3.59% | 3.53% | 3.49% | 3.38% | 3.40% | -19 bps | |
| Efficiency Ratio | 85.08% | 86.75% | 80.67% | 83.01% | 85.68% | 89.96% | 93.91% | 132.02% | +4,902 bps | |
| Non-Interest Burden | 3.07% | 3.13% | 2.68% | 2.79% | 2.87% | 3.03% | 3.11% | 4.74% | +194 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 | 0.62% | 0.93% | -0.07% | -0.01% | 0.51% | 0.45% | -0.06% | 1.16% | +117 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 |