San Mateo, CA · Cert 23092
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
San Mateo, CA · Cert 23092
FDIC
Q1 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 0.91% | 0.82% | 0.07% | -0.28% | -1.25% | -1.74% | -0.85% | -93 bps | |
| Return on Equity | 12.84% | 10.00% | 9.04% | 0.86% | -3.21% | -14.97% | -21.09% | -10.54% | -1,140 bps | |
| Net Interest Margin | 4.38% | 4.12% | 3.92% | 3.99% | 4.20% | 4.31% | 4.05% | 3.75% | -24 bps | |
| Efficiency Ratio | 48.14% | 51.38% | 50.99% | 61.27% | 57.45% | 56.22% | 56.95% | 70.52% | +924 bps | |
| Non-Interest Burden | 1.83% | 1.88% | 1.78% | 2.49% | 2.39% | 2.34% | 2.20% | 2.50% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.56% | 18.58% | 14.37% | 15.98% | 9.16% | 4.97% | 0.69% | -10.03% | -2,601 bps | |
| Loan Growth (YoY) | 15.66% | 6.51% | 3.45% | 1.69% | 2.25% | 1.63% | -7.20% | -13.75% | -1,544 bps | |
| Deposit Growth (YoY) | 33.28% | 29.66% | 23.88% | 24.22% | 12.30% | 1.50% | -3.40% | -11.58% | -3,579 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 | 0.19% | 0.14% | 0.61% | 0.51% | 1.27% | 2.00% | 4.27% | 3.74% | +323 bps | |
| Allowance / Loans | 1.25% | 1.62% | 1.44% | 1.71% | 2.10% | 3.58% | 3.59% | 3.78% | +207 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 | 11.37% | 11.72% | 11.73% | 11.69% | 11.60% | 10.80% | 11.89% | 11.92% | +22 bps | |
| Equity / Assets | 9.29% | 8.73% | 8.77% | 8.47% | 8.61% | 7.56% | 7.89% | 8.28% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.17% | 95.93% | 95.77% | 92.71% | 95.75% | 96.06% | 91.99% | 90.43% | -228 bps | |
| Liquid Assets / Assets | 1.19% | 9.76% | 9.22% | 11.68% | 7.66% | 12.33% | 12.85% | 12.57% | +90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |