Pleasanton, CA · Cert 25667
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 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.
Pleasanton, CA · Cert 25667
FDIC
Q4 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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.24% | 1.38% | 1.83% | 6.05% | 5.84% | 4.86% | 4.44% | +262 bps | |
| Return on Equity | 4.81% | 4.53% | 4.71% | 5.84% | 12.46% | 10.01% | 7.50% | 6.86% | +102 bps | |
| Net Interest Margin | 10.13% | 10.27% | 10.79% | 11.26% | 6.38% | 9.15% | 8.39% | 68.01% | +5,675 bps | |
| Efficiency Ratio | 67.02% | 71.58% | 81.59% | 85.71% | 123.83% | 163.15% | 152.06% | 181.62% | +9,591 bps | |
| Non-Interest Burden | 6.73% | 7.31% | 8.77% | 9.62% | 7.92% | 15.02% | 14.19% | 141.54% | +13,192 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -34.49% | -32.79% | -33.69% | -36.88% | -47.21% | -64.90% | -58.61% | -95.63% | -5,874 bps | |
| Loan Growth (YoY) | -43.93% | -45.16% | -47.25% | -48.75% | -50.83% | -53.28% | -100.00% | -100.00% | -5,125 bps | |
| Deposit Growth (YoY) | -43.46% | -43.63% | -46.06% | -52.90% | -71.03% | -100.00% | -100.00% | -100.00% | -4,710 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 7.26% | 4.16% | 5.72% | 6.65% | -2.82% | -5.30% | 8.73% | n/a | n/a | |
| Allowance / Loans | 11.85% | 13.71% | 13.12% | 11.47% | 10.34% | 8.75% | 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 | 35.97% | 42.39% | 53.40% | 65.88% | 82.79% | 103.40% | 3527% | 282% | +21,632 bps | |
| Equity / Assets | 27.60% | 30.48% | 36.18% | 42.10% | 56.91% | 95.28% | 95.61% | 62.22% | +2,012 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.81% | 106.45% | 111.77% | 118.65% | 179.61% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 3.86% | 4.21% | 11.15% | 11.14% | 6.62% | 5.43% | 95.54% | 54.05% | +4,291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |