Stockton, CA · Cert 27090
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | -1.08% | -0.19% | -2.28% | -4.00% | -5.62% | -2.64% | -2.00% | +28 bps | |
| Return on Equity | 2.62% | -11.80% | -2.28% | -27.52% | -51.33% | -79.68% | -69.21% | -53.81% | -2,630 bps | |
| Net Interest Margin | 3.75% | 3.68% | 3.33% | 3.14% | 3.28% | 3.24% | 3.10% | 3.46% | +32 bps | |
| Efficiency Ratio | 51.29% | 69.25% | 85.46% | 112.83% | 105.76% | 148.44% | 149.02% | 132.12% | +1,930 bps | |
| Non-Interest Burden | 1.25% | 2.20% | 2.82% | 3.60% | 3.50% | 4.39% | 4.37% | 4.52% | +92 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 | 0.60% | 1.60% | 0.77% | 3.82% | 3.21% | 4.24% | 0.14% | 0.22% | -360 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 |