La Jolla, CA · Cert 26348
FDIC
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.30% | 0.36% | 0.32% | -0.61% | -1.39% | -3.23% | -3.10% | -342 bps | |
| Return on Equity | 7.20% | 3.64% | 4.52% | 4.07% | -8.38% | -24.87% | -62.82% | -64.60% | -6,867 bps | |
| Net Interest Margin | 2.69% | 2.53% | 2.55% | 2.59% | 2.41% | 1.80% | 1.84% | 1.97% | -62 bps | |
| Efficiency Ratio | 50.63% | 60.14% | 54.90% | 49.13% | 52.43% | 87.69% | 101.29% | 107.73% | +5,860 bps | |
| Non-Interest Burden | 1.34% | 1.54% | 1.43% | 1.29% | 1.33% | 1.61% | 1.86% | 2.10% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | 2.31% | 15.72% | 15.42% | 25.33% | 27.93% | 2.98% | -1.23% | -1,665 bps | |
| Loan Growth (YoY) | 5.10% | 2.02% | -4.78% | -9.49% | -11.71% | -12.05% | -10.66% | -11.27% | -178 bps | |
| Deposit Growth (YoY) | 5.92% | -2.25% | 15.13% | 17.43% | 33.74% | 50.12% | 16.56% | 8.73% | -870 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 | 0.29% | 0.48% | 0.48% | 0.77% | 2.68% | 0.99% | 2.60% | 3.18% | +242 bps | |
| Allowance / Loans | 1.50% | 1.54% | 1.71% | 1.79% | 1.80% | 2.29% | 2.81% | 2.86% | +106 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 | 10.82% | 10.90% | 10.99% | 10.74% | 9.28% | 7.80% | 6.78% | 6.09% | -466 bps | |
| Equity / Assets | 8.37% | 8.36% | 7.21% | 7.19% | 5.83% | 5.35% | 4.20% | 3.70% | -349 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 143.84% | 149.57% | 118.54% | 111.02% | 94.96% | 87.63% | 90.85% | 90.59% | -2,043 bps | |
| Liquid Assets / Assets | 4.67% | 5.91% | 22.37% | 23.39% | 21.40% | 21.43% | 26.87% | 27.55% | +416 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |