Camarillo, CA · Cert 22819
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Camarillo, CA · Cert 22819
FDIC
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.19% | 1.69% | 1.47% | 0.76% | 0.77% | 0.79% | 0.63% | 0.23% | -53 bps | |
| Return on Equity | 16.26% | 12.52% | 10.85% | 5.64% | 5.80% | 5.93% | 4.73% | 1.59% | -405 bps | |
| Net Interest Margin | 3.11% | 3.31% | 3.34% | 3.55% | 3.48% | 3.43% | 3.45% | 3.11% | -43 bps | |
| Efficiency Ratio | 45.10% | 48.45% | 51.13% | 66.22% | 68.49% | 67.41% | 71.86% | 90.61% | +2,439 bps | |
| Non-Interest Burden | -0.76% | 0.14% | 0.59% | 2.17% | 2.19% | 2.11% | 2.60% | 2.82% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.17% | 20.64% | 19.43% | 2.69% | 9.87% | 10.42% | 4.40% | -7.31% | -999 bps | |
| Loan Growth (YoY) | 22.43% | 16.16% | 6.98% | 1.10% | 5.78% | 10.01% | 8.60% | -0.92% | -203 bps | |
| Deposit Growth (YoY) | 28.39% | 29.58% | 23.06% | 4.14% | 11.56% | 13.11% | 6.06% | -7.59% | -1,173 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 | 0.32% | 0.48% | 0.43% | 0.03% | 0.07% | 0.11% | 0.09% | -0.04% | -7 bps | |
| Allowance / Loans | 1.68% | 1.67% | 1.66% | 1.59% | 1.59% | 1.55% | 1.56% | 1.62% | +3 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 | 16.76% | 17.22% | 17.10% | 16.73% | 16.80% | 17.10% | 18.16% | 18.96% | +223 bps | |
| Equity / Assets | 13.30% | 13.52% | 13.62% | 13.41% | 12.93% | 13.14% | 13.75% | 14.93% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.33% | 75.24% | 75.01% | 77.16% | 73.32% | 73.18% | 76.81% | 82.74% | +557 bps | |
| Liquid Assets / Assets | 7.50% | 8.20% | 2.23% | 2.67% | 3.71% | 2.75% | 7.68% | 5.26% | +259 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |