Pleasanton, CA · Cert 25667
FDIC
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.23% | 1.68% | 3.56% | 6.05% | 5.44% | 2.48% | -0.35% | -391 bps | |
| Return on Equity | 4.81% | 4.24% | 5.07% | 9.15% | 12.46% | 7.61% | 2.60% | -0.37% | -952 bps | |
| Net Interest Margin | 10.13% | 9.45% | 9.04% | 8.08% | 6.38% | 6.82% | 5.47% | 0.96% | -711 bps | |
| Efficiency Ratio | 67.02% | 76.94% | 107.39% | 104.56% | 123.83% | 229% | 135.39% | 12805% | +1,270,089 bps | |
| Non-Interest Burden | 6.73% | 7.23% | 9.72% | 8.45% | 7.92% | 15.79% | 10.19% | 107.93% | +9,948 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% | -0.06% | 7.23% | 6.02% | -2.82% | -7.16% | 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 |