Stockton, CA · Cert 27090
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.01% | -5.18% | -0.19% | -4.44% | -7.52% | -10.81% | -2.64% | -1.34% | +310 bps | |
| Return on Equity | -10.87% | -58.17% | -2.28% | -53.75% | -107.37% | -214% | -69.21% | -37.05% | +1,670 bps | |
| Net Interest Margin | 3.83% | 3.15% | 3.33% | 3.00% | 3.24% | 2.90% | 3.10% | 3.51% | +51 bps | |
| Efficiency Ratio | 44.23% | 152.08% | 85.46% | 142.16% | 91.56% | 148.74% | 149.02% | 119.26% | -2,290 bps | |
| Non-Interest Burden | -0.13% | 4.97% | 2.82% | 4.43% | 2.93% | 6.82% | 4.37% | 4.23% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.54% | -1.85% | -9.33% | -10.91% | -9.59% | -12.21% | -19.47% | -22.45% | -1,154 bps | |
| Loan Growth (YoY) | 5.03% | -1.42% | -7.45% | -12.21% | -16.68% | -16.76% | -19.78% | -17.68% | -546 bps | |
| Deposit Growth (YoY) | -5.54% | -0.09% | -9.73% | -9.40% | -5.28% | -5.57% | -10.38% | -17.20% | -781 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 | 0.16% | 4.50% | 0.77% | 6.83% | 1.61% | 6.76% | 0.14% | 0.29% | -654 bps | |
| Allowance / Loans | 1.19% | 1.95% | 2.11% | 2.00% | 2.07% | 4.10% | 4.43% | 4.74% | +274 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 | 11.62% | 11.35% | 11.49% | 9.68% | 9.18% | 6.51% | 5.94% | 5.76% | -392 bps | |
| Equity / Assets | 9.45% | 8.35% | 8.73% | 7.78% | 6.19% | 3.88% | 3.72% | 3.49% | -430 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.50% | 90.19% | 94.73% | 84.70% | 83.12% | 79.50% | 84.80% | 84.22% | -48 bps | |
| Liquid Assets / Assets | 0.01% | 6.06% | 2.99% | 7.88% | 9.65% | 13.24% | 5.64% | 6.99% | -89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |