Atascadero, CA · Cert 26418
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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.
Atascadero, CA · Cert 26418
FDIC
Q3 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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.57% | -5.42% | -0.42% | -0.50% | -0.38% | +619 bps | |
| Return on Equity | -92.21% | -80.89% | -8.66% | -10.23% | -7.64% | +8,457 bps | |
| Net Interest Margin | 3.88% | 3.92% | 3.77% | 3.80% | 3.81% | -7 bps | |
| Efficiency Ratio | 92.24% | 92.08% | 95.71% | 98.43% | 99.99% | +775 bps | |
| Non-Interest Burden | 3.55% | 3.58% | 3.60% | 3.73% | 3.81% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.08% | -7.40% | -7.94% | -8.64% | -12.18% | -1,210 bps | |
| Loan Growth (YoY) | -3.27% | -6.82% | -11.62% | -19.94% | -22.58% | -1,932 bps | |
| Deposit Growth (YoY) | 6.80% | -1.90% | -5.80% | -6.63% | -12.08% | -1,888 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.85% | 4.04% | 2.01% | 2.67% | 1.81% | -304 bps | |
| Allowance / Loans | 4.97% | 5.86% | 5.84% | 5.77% | 6.25% | +129 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 8.01% | 8.16% | 8.31% | 8.74% | 9.33% | +132 bps | |
| Equity / Assets | 5.16% | 4.90% | 4.87% | 5.02% | 5.32% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.85% | 79.75% | 77.19% | 71.10% | 69.43% | -942 bps | |
| Liquid Assets / Assets | 6.90% | 6.51% | 8.56% | 15.57% | 16.67% | +978 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |