Atascadero, CA · Cert 26418
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.58% | -13.09% | 0.33%1 | -6.91% | -1.77% | -0.42% | -0.59% | -0.13% | +677 bps | |
| Return on Equity | -34.30% | -158.46% | 4.88% | -115.60% | -35.10% | -8.66% | -11.87% | -2.54% | +11,305 bps | |
| Net Interest Margin | 3.93% | 4.01% | 3.83% | 3.75% | 3.88% | 3.77% | 3.73% | 3.61% | -14 bps | |
| Efficiency Ratio | 83.79% | 81.80% | 99.89% | 95.30% | 91.62% | 95.71% | 101.22% | 103.43% | +814 bps | |
| Non-Interest Burden | 3.22% | 3.22% | 3.83% | 3.56% | 3.51% | 3.60% | 3.78% | 3.74% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.13% | 2.91% | -2.31% | -0.08% | -7.40% | -7.94% | -8.64% | -12.18% | -1,210 bps | |
| Loan Growth (YoY) | 6.64% | 2.76% | 2.04% | -3.27% | -6.82% | -11.62% | -19.94% | -22.58% | -1,932 bps | |
| Deposit Growth (YoY) | 12.25% | 10.78% | 4.52% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 7.55% | 1.79% | 6.91% | 5.55% | 0.99% | 2.01% | 3.12% | -0.29% | -584 bps | |
| Allowance / Loans | 1.68% | 5.54% | 3.82% | 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 | 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 | 13.18% | 9.66% | 9.84% | 8.01% | 8.16% | 8.31% | 8.74% | 9.33% | +132 bps | |
| Equity / Assets | 9.87% | 6.63% | 6.79% | 5.16% | 4.90% | 4.87% | 5.02% | 5.32% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.96% | 82.27% | 82.91% | 78.85% | 79.75% | 77.19% | 71.10% | 69.43% | -942 bps | |
| Liquid Assets / Assets | 0.14% | 0.22% | 0.49% | 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 | n/a | n/a | n/a |