San Francisco, CA · Cert 23502
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.40% | 0.76% | 0.77% | 0.78% | 0.73% | 0.81% | 0.81% | +5 bps | |
| Return on Equity | 2.74% | 2.49% | 4.52% | 4.44% | 4.45% | 4.09% | 4.22% | 4.15% | -29 bps | |
| Net Interest Margin | 3.12% | 3.13% | 3.11% | 3.21% | 3.31% | 3.24% | 3.37% | 3.21% | 0 bps | |
| Efficiency Ratio | 56.09% | 59.95% | 59.14% | 60.75% | 59.92% | 62.80% | 61.41% | 60.71% | -4 bps | |
| Non-Interest Burden | 1.68% | 1.82% | 1.77% | 1.89% | 1.91% | 1.97% | 2.00% | 1.88% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.64% | -6.54% | -5.86% | -7.39% | -6.27% | -10.90% | -7.27% | -8.47% | -108 bps | |
| Loan Growth (YoY) | 0.26% | -4.10% | -7.66% | -7.49% | -5.54% | -4.23% | -1.76% | -5.47% | +202 bps | |
| Deposit Growth (YoY) | 6.22% | 8.72% | -2.98% | -1.09% | 3.94% | -4.12% | 9.00% | 3.51% | +460 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 0.21% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 22.28% | 22.69% | 23.32% | 24.67% | 24.22% | 24.70% | 25.36% | 27.08% | +241 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 134.15% | 124.77% | 130.38% | 130.64% | 121.91% | 124.63% | 117.51% | 119.32% | -1,132 bps | |
| Liquid Assets / Assets | 4.66% | 4.65% | 4.41% | 3.45% | 3.06% | 2.59% | 2.88% | 2.83% | -62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |