Oakland, CA · Cert 23876
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Oakland, CA · Cert 23876
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | -0.26% | -2.64% | -2.49% | -3.17% | -3.80% | -5.30% | -4.58% | -210 bps | |
| Return on Equity | 2.30% | -1.91% | -20.22% | -23.64% | -30.64% | -37.69% | -56.75% | -80.46% | -5,682 bps | |
| Net Interest Margin | 3.28% | 3.14% | 2.85% | 1.52% | 1.44% | 1.81% | 1.86% | 2.63% | +111 bps | |
| Efficiency Ratio | 65.64% | 78.37% | 87.85% | 111.71% | 132.80% | 118.04% | 113.23% | 116.22% | +452 bps | |
| Non-Interest Burden | 1.01% | 1.80% | 2.94% | 1.98% | 2.54% | 2.55% | 3.29% | 3.20% | +121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.62% | 2.10% | 3.33% | -0.10% | -7.04% | -11.22% | -7.00% | -7.08% | -698 bps | |
| Loan Growth (YoY) | 4.86% | 8.39% | 7.87% | 12.12% | 5.30% | -10.06% | -16.10% | -22.82% | -3,493 bps | |
| Deposit Growth (YoY) | 4.02% | 2.22% | 6.61% | 4.52% | -3.90% | -8.04% | -2.69% | -3.33% | -785 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 | 1.87% | 1.96% | 2.13% | 5.99% | 5.49% | 7.88% | 10.21% | 6.16% | +17 bps | |
| Allowance / Loans | 2.17% | 2.14% | 4.44% | 4.04% | 4.41% | 4.03% | 4.21% | 4.89% | +85 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 | 15.64% | 14.36% | 13.27% | 11.78% | 10.54% | 9.42% | 7.15% | 4.79% | -699 bps | |
| Equity / Assets | 13.47% | 13.35% | 10.78% | 10.25% | 9.93% | 9.29% | 6.23% | 5.15% | -510 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.05% | 100.44% | 95.88% | 96.04% | 98.67% | 98.23% | 82.66% | 76.69% | -1,936 bps | |
| Liquid Assets / Assets | 0.03% | 0.01% | 0.04% | 0.01% | 0.00% | 2.41% | 16.38% | 22.62% | +2,262 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |